Jump to content


  • Tweets

  • Posts

    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
  • 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

Apex / Barclaycard debt


Baz1994
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2221 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

Today I received in which looks like usual fob off letter from barclaycard rejecting my initial claim for unfair charges totalling over £240.

 

All my charges were for £20 and a one-off charge of £40.

 

In their letter they state that their charges of £12 are in line with their actual and estimated costs etc and are printed on back of statements each month.

 

What next - do I reply mentioning the above statement and what I have been charged ?

 

Thanks for any help

Link to post
Share on other sites

  • Replies 123
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Letter before action

 

Mark it as such and give them 14 days +2 for postage first class signed for)

 

Prepare your POC for Small claims

 

Are you claiming interest in restitution as well~?

 

Handy reference thread for Barclays

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**/page4

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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.

Link to post
Share on other sites

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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.

Link to post
Share on other sites

Letter before action

 

Mark it as such and give them 14 days +2 for postage first class signed for)

 

Prepare your POC for Small claims

 

Are you claiming interest in restitution as well~?

 

Handy reference thread for Barclays

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**/page4

 

Cheers SabreSheep

 

That was going to be my next question, I originally calculated fees plus compound interest - is that correct ? Or is there another certain spreadsheet that I should be using ?

 

Will also look at link :wink:

 

 

Will also look at these thanks. I got rejection letters on a couple of my Natwest Credit Cards last week.

 

They also mentioned referring to FOS if not happy with their decision. Is it correct that FOS will not entertain the complaint regarding credit card charges or will their stance change as per yesterdays announcement regarding underpaying by banks do you know ?

 

Cheers

Link to post
Share on other sites

Shellys thread has most of the stuff u need including the links to the spreadsheets

 

My Natwest case has just been posted to court which has my POC in it that was ammended from Shellys

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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.

Link to post
Share on other sites

Same letter as before if yuou are going to stick to your first claim. Just put at the top in big red letters LETTER BEFORE ACTION

 

First line I would add something like "I received your letter dated bla bla on the bla bla, the contents which are noted. I do not agree with your findings.

 

Copy Paste contents of orignal letter, edit to make sense

 

Then should be ok

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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.

Link to post
Share on other sites

No problem

 

Im only a few weeks or so ahead of you in the process. Never dealt with small claims myself either but lots of advice on here :)

 

Ironically my BarclayShark process is still waiting for the LBA to time out

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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.

Link to post
Share on other sites

Hi Baz,

 

Shelley's thread is a good example to read through. Also see this more recent case - http://www.consumeractiongroup.co.uk/forum/showthread.php?368541-trancyb-vs-Barclaycard

 

TrancyB's thread includes mention of Sempra Metals and Kleinwort Benson being included in your PoC's.

 

Also, s.69 Stat'y Int't should only be claimed at 8% Simple Int't as the daily rate add-on after the claim is issued.

 

:-)

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

  • 1 month later...

Just to provide an up-date, I sent another letter to Barclaycard (before proceeding with lba) re unfair charges from 2004 - 2005 and I have now received their Final Response.

 

I have attached a copy of Barclaycard letter and should I now proceed with lba ?

 

After some financial difficulties some years ago, debt was passed to Apex Credit Management Ltd in which I have an agreed repayment plan in place.

 

Should I be contacting anyone else ?

 

Cheers

Link to post
Share on other sites

No need to contact or change anything else outside of BC for this debt.

BC will try and buy the debt back to offset some of the winnings.

 

Did you claim the charges and restitution in your lba~?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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.

Link to post
Share on other sites

Hi Baz,

 

Send the LBA with an updated spreadsheet that includes interest to date.

 

That gives them a final 14 days, after which you file your claim with CCMCC without further notice.

 

:-)

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

Many thanks slick132 and will do.

 

Just another couple of questions, do I include all charges to date including those of £12 and what APR% do I use on relevant spreadsheet ?

 

Cheers

Link to post
Share on other sites

Hi Baz,

 

Include all charges to date on the spreadsheet.

 

Are you using the compound int't spready - if so, I would suggest 24.9%.

 

What spready did you send with your Prelim Claim letter - was is the simple in't one or the compound ?

 

:-)

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

Redo the compound int't spready to include ALL penalty charges (regardless of the amount) and use 24.9% as your nominal rate for interest in restitution.

 

Send them a further LBA with this spready and mention that you'll rely on relevant case law regarding restitutionary interest and (if relevant) charges older than 6 years.

 

:-)

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

  • 10 months later...

I originally had a repayment plan in place with Barclaycard in which was passed to DCA.

 

I currently receive a monthly payment allocation statement advising balance of debt less monthly amount. Is this suffice in order to comply with what is required ?

 

I have never received any annual statements showing complete allocated payment details.

 

Thanks again.

Link to post
Share on other sites

You should receive an annual 'statement of account' which tells you how much has been paid and how much remains.

 

Who is the DCA chasing this?

Are you paying them or sharklaycard?

 

How did the debt come about?

How much?

When did you take the card out?

Have you reclaimed all fees/charges and PPI?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

You should receive an annual 'statement of account' which tells you how much has been paid and how much remains.

 

Who is the DCA chasing this?

Are you paying them or sharklaycard?

 

How did the debt come about?

How much?

When did you take the card out?

Have you reclaimed all fees/charges and PPI?

 

Never received an annual statement.

Apex Credit Management

Financial problems years ago deal done through free DMP.

APPROX £3,000

2001

No I have not and afraid no PPI.

 

I was going to submit a CCA request as cannot locate any agreement details.

 

Cheers again

Link to post
Share on other sites

2001, definitely do a CCA request.

 

OK I will do now but should I continue making monthly payment until response received ?

 

Should I state that they have also failed to provide annual statement showing all payments made ?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...