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    • Thanks @FTMDave. I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
    • What you've just written complicates things. No, the snotty letter now needs to be changed so don't rush and send something off just yet. We see you've done your reading up - well done - so you'll have seen we have several cases with our mate Kev.  His MO is to hide signs in the undergrowth where no-one will see them, and ignore consideration & grace periods, so he can issue his invoices.  His antics mean that motorists are legally in the right not to pay his invoices.  And so far he hasn't had the bottle to do court. However, your case is different.  As much as we despise Kev, you didn't pay for the private car park that Kev "manages" but instead gave the money to a completely different car park run by the council.  In that case Kev does have the right to be miffed.  I've just a mock booking for Sea View car park on JustPark and it works no problem. I think you have two decisions to make. 1.  Do you want to do a chargeback with your bank to get back the £60 you paid?  I did a chargeback about a year ago for the first time, i didn't have a clue what to do, but the regulars here guided me and everything was painless. 2.  Although you are probably legally in the wrong and may have outed yourself as the driver do you want to refuse to pay Kev for the other two?  If Kev won't do court then after all his bluster you'll be in the clear. However, as there are two tickets involved (potentially three if you go for chargeback) Kev's geed might win over his lack of backbone and he may go for court. There's no easy solution.  Your choice.  We will of course support you all the way with what you decide.
    • Ok thanx  I keeping coming across this term “ holding defence”. Can someone explain what this is. Thanx. 
    • Thank you @lookinforinfo and @FTMDave.  The car park I paid for by mistake instead of this one was Cornwall council, not Alliance. Will the letter still be ok in this instance? Thank you so much again for your help. When you open the Just Park app in the  Alliance car park (Sea View) the first car park that comes up is Polzeath Beach. Both car parks are on the beach. The signs do not give a code for 'Sea View' anywhere. I also have not been able to find the landowner to complain. (not on land registry.) Please confirm whether above letter is ok to send, thanks again.
    • OK thanks, I noted them down when I checked the report - 3 have already expired, although if I'm adding the 14 days on then it'll be another week or so for those. The others are; end of July (so into August is that right?), end of August (these two are the big ones) and a couple of grand on Shop Direct at the end of November but seeing as this furthest one is Lowell and they have already missed those first 3 then I feel pretty safe with that one. Are these DN dates on the credit report that dates I should be looking at +14 days when their anniversaries come up this year as the time when I can be sure the debts are SB?  I won't be rushing to send the SB letters anyway until the final one has passed and I can just do them in one fell swoop.
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i really cant get to grips with the spreadsheet! help???


I hate barclaycard
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Hello everyone, first and foremost i must say this websites great! ive been posting in random places all night but have just worked out how to start a thread in the right forum! lol

after a few months pondering on various websites about whether to pay some company to do my claim for me or whether to go it alone, you wonderfull people have inspired me to just go for it!!!!!

im preggers and so am only working part time giving me the perfect oportunity to give this my full attention.

 

Ok so i have sent the subject acess request on 25th oct 06

 

Bcard replied on 31st oct saying about microfiche and only supplied info back to may 04, so today i have prepared the letter saying that they must still comply and saying about abbey etc. i will be sending that recorded delivery tomorrow.

 

i am presuming they will reply to me with a letter similar to the first from what i have read?

 

And when i get this i just wait for the 40 days to run out.

 

this is where im slightly confused...in what order (once the 40 days is up) do i do the following?

 

Complain to info comissioner

send non compliance letter

send letter before action

calculate estimate (not that im quite sure how to do this yet!)

 

ive read so many threads ive now completely overloaded my brain and confused myself!!!

 

Any help would be greatly appreiciated.

 

THANKYOU XXXXX:) :confused::?:

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:confused: Hello it's me again, sorry all i seem to do is ask for help. hopefully when this all pays off i can help others (and donate of course!) but until then im afraid your all gonna have to put up with me!! (thanks!)

 

ok im claiming against bcard.

 

first of all when do i send them the spreadsheet and what spreadsheet do i use, i keep searching threads and ive been to vampiress chambers but im just still confused.

 

Where is everyone getting 8% as the interest figure from???

 

Do i use the simple or advannced spreadsheet?

 

im clearly not gonna get my statments from before may 04 by the looks of things so do i guess at the rest, if so where do i put this on the spreadsheet?

 

if i have to guess my charges do i have to base them on the statements i have - charges were a lot more regular before may 04 as i was at college and didnt manage my account very well?

 

:confused: if any one can help id really appreciate it. Thanks a bunch.

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AAAAAAAAAAAAAAAAHHHHHHHHHHHHHHHHHHHH!

Why is today going so wrong!!!!!

my follow up letter to the SAR is due to arrive at barclaycard tomorrow morning, i realise tonight that theres a typo!!! sh** fu** boll*** why do i realise now, how unproffessional is it gonna look!

basically

"I am in receipt of your letter dated 31st October 2006, outlining that you could only provide me with printouts covering transactions during the past 17 months on my account, because any earlier information has been archived onto microfiche. "

the bit in red should read "during the past 29 months on my account" the 17 months is what im missing!

i know its only a minor mistake but im kicking myself cause it looks really bad.

what do i do????

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