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    • Yes please I think we would like to know all about it. Saying "I didn't foresee any problems so I didn't bother to…" As I say I didn't bother to look when I cross the road because I didn't think I would be run over
    • My WS as I intend to send it... any problems anyone can spot?         In the county court at Middlesbrough Claim No:  Between Vehicle Control Services Limited (Claimant) V   (Defendant) Witness Statement Introduction It is admitted that the Defendant is the registered keeper of XXnn XXX   Locus standi/bye-laws and Relevant land Schedule 4 of the Protection of Freedom Act 2012 (PoFA) allows recovery of unpaid parking charges from the keeper of the vehicle. However, the first paragraph 1 (1) (a) states that it only applies “in respect of parking of the vehicle on relevant land:”. The definition of “relevant land” is given in paragraph 3 (1) where subsection (c) excludes “any land ... on which the parking of a vehicle is subject to statutory control”.  The bus stop is not on relevant land because the public road on which that stand is on is covered by the Road Traffic Act.  Notwithstanding that the claimant claims that " the claimant has given the Defendant its contractual licence to enter the site", the claimant has not given any contractual licence whatsoever. This is a road leading to/from the airport which is covered by the Road Traffic Act.  A list of highways on the Highways act 1980 does not even exist. The defendant brings the attention of the court that VCS is using this non existent document issue as a deliberate strategy to debunk the fact that this road is not relevant land. VCS are put to strict proof that it is relevant land not covered by the Road Traffic Act nor by Byelaws. While it is true that landowners can bring in their own terms, it is also true that whatever terms they bring  cannot overrule Byelaws and the Road Traffic Act. If Bye Laws are involved then the bus stop is not relevant land and neither is the specious argument about First Great Western Ltd. Is the claimant ignorant of the Protection of Freedoms Act 2012? The road outside of Doncaster Sheffield Airport is not relevant land and is not covered by the Protection of Freedoms Act. That makes the charge against the claimant tantamount to fraud or extortion. The claimant mentions a couple occasions where they have won such cases. It is brought to the attention of the court that none of those cited cases were on airport land. VCS actually has also lost a lot more cases than they have won using their prohibitive signs.  Airport land is covered by Bye Laws and hence the claim by VCS is not applicable in this instance. The remit of VCS ends in the car park and does not extend to the bus stops on public roads or land which they have no jurisdiction over. All classes of people go to the airport. This includes travellers, taxis, fuel bowsers, airport staff, companies delivering food and drink for each aircraft, air traffic controllers and buses with passengers. It is therefore absolutely ridiculous to attribute VCS with any sort of permissions. The defendant submits that VCS should not confuse a major thoroughfare with a car park and presume to act as land owners and usurp the control of any land which is not relevant to them.   Protection of Freedoms Act The clearest point on section 4.1 of the Protection of Freedoms act is that “The provisions in Schedule 4 are intended to apply only on private land in England and Wales. Public highways are excluded as well as any parking places on public land which are either provided or controlled by a local authority (or other government body). Any land which already has statutory controls in relation to the parking of vehicles (such as byelaws applying to airports, ports and some railway station car parks) is also excluded.” Therefore, as this case pertains to an airport, the claimant unlawfully obtained the registered keeper’s details against the defendant’s vehicle. Thus, on this basis alone, the defendant implores the court to throw out this case. Notwithstanding the above point, if perchance Schedule 4 of the Protection of Freedoms act 2012 were to apply, the claimant is put to strict proof that they complied with the requirements of section 7 stating, “(1)A notice which is to be relied on as a notice to driver for the purposes of paragraph 6(1)(a) is given in accordance with this paragraph if the following requirements are met. The notice must — (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;” Without such proof the court must of necessity throw out this case forthwith.   Deceit, Intimidation and Extortion The Claimant’s Particulars of Claim include £50 legal costs, yet in the letter dated  03/06/2021, the Claimant stated that they were no longer represented by Elms Legal and all further correspondence should be sent to the VCS in-house litigation department. Why should the Claimant be asking the Defendant to contribute to their employee’s salary?  Furthermore, as per another letter dated 30th July 2021, the Claimant wrote, ‘Should you fail to accept our offer of settlement then we will proceed to Trial and bring this letter to the Court’s attention upon question of costs in order seek further costs of £220 incurred in having to instruct a local Solicitor to attend the hearing in conjunction with the amount claimed on the Claim Form.’ I find this an extraordinary statement given the Claimant knows legal costs are capped at £50 in Small Claims Court. I cannot think of any reason why the Claimant would write this letter other than to intimidate the opposing party with the threat of an extortionate sum of money, hoping they would be able to take advantage of someone not knowing the Small Claims Court rules. Given that this letter came from the Claimant’s in-house litigation department, clearly well-versed in the law, this cannot be anything but deceitful and disingenuous behaviour which the court should never tolerate.    Contractual costs / debt recovery charge  In addition to the £50 legal costs, the Claimant is seeking recovery of the original £100 parking charge plus an additional £60 which is described as ‘debt collection costs’. In the Vehicle Control Service v Claim Number: 18 on 4th September 2019, District Judge Jones-Evans stated, ‘Upon it being recorded that District Judge Jones-Evans has over a very significant period of time warned advocates […] in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court in Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law. It is hereby declared […] the claim be struck out and declared to be wholly without merit and an abuse of process.’  In Claim number F0DP806M and F0DP201T, Britannia v Crosby went further in a landmark judgement in November 2019 which followed several parking charge claims being struck out in the area overseen by His Honour Judge Iain Hamilton-Douglas Hughes GC, the Designated Civil Judge for Dorset, Hampshire, Isle of White & Wiltshire. District Judge Taylor echoed the earlier General Judgement or Orders of District Judge Grand stating, ‘It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedom Acts 2012, Schedule 4 nor with reference to the judgment in ParkingEye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4) of the Civil Procedure Rules 1998…’ Vehicle Control Service v Claim Number: 19 51. Moreover, the addition of costs not specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  The Defendant is of the view that the Claimant knew, or should have known, that to claim in excess of £100 for a parking charge on private lands is disallowed under the Civil Procedure Rules, the Beavis Case, the Protection of Freedom Act 2012 and Consumer Rights Act 2015, and that relief from sanctions should be refused.   Alleged contract The court should consider if there is any contract to start with and if the alleged offence is on relevant land. The consideration will inevitably lead the court to conclude that there is no contract.  Also the court should note that there is no valid contract that exists between VCS and Peel. Under the Companies Act, a contract should be signed by the directors of both companies and witnessed by two independent individuals. This alleged contract, which makes no mention of pursuing registered keepers of vehicles to court, makes its first appearance as a Witness Statement. Thus the alleged contract is null and void.  The Beavis case referred to by the claimant is about parking in a car park. The claimant is here attempting to equate that case to stopping, not parking, in a bus stop and on a road that is covered by the Road Traffic Act. The defendant submits that there can be no contract as there is no offer but there is only a prohibition. Again, it is not relevant land and VCS has absolutely no rights over it. Further, the defendant would like to point out that motorists NEVER accept any contract just by entering the land. First they must read it and understand it and then, and only then can they realise that "No stopping" is prohibitive and cannot offer a contract.   Bus stop signage The signs around the bus stop do not mention who issued the “No Stopping” signs so it could not have been issued by VCS since the IPC CoP states that their signs should include the IPC logo and that the creditor should be identified. Nothing on the signs around the bus stop that says “NO Stopping” mentions VCS or Peel Investments who are now purporting to be the land owners of a public road. As the signage should identify the creditor, since it does not, this is a breach of the CoP.   The Traffic Signs Regulations and General Directions 2016 does not prohibit stopping in a restricted bus stop or stand, it prohibits stopping in a clearway. The defendant would like to ask the court to consider if any clause of the Traffic Signs Regulations and General Directions 2016 that the claimant alleges has been violated by the defendant. There is no mention of permits on the signage. If there were, would it mean that Permit holders were allowed to stop on “No Stopping” roads? Notwithstanding what the claimant calls it, the mentioned signage is NOT a contractual clause. A “No stopping” sign is not an offer of parking terms.  Since the signage around the bus stop is prohibitive, it is as such is incapable of forming a contract. Further, the defendant would like to point out that the prohibitive sign is not actually at the bus stop but a few metres before the stand itself. There is no mention of a £100 charge for breaching the “No stopping” request, or if there is one then it is far too small to read, even for a pedestrian. As already stated, a Witness Statement between VCS and Peel Investments is not a valid document. It will need more than the Claimants feather to outweigh the case against the Defendant regardless of who was driving. There is no law of agency involved. This is not a case of employer/employee relationship. VCS cannot transfer the driver's liability to the registered keeper. There can be no comparison between a railway station and an airport. This is a totally fatuous analogy which cannot be applied to this case.  As stated in the defence, it is denied the Claimant is entitled to the recovery or any recovery at all. The nefarious parking charge notice given for a vehicle on a public road bus stop was ill advised to start with.   Conclusions:   VCS has failed to present ANY reasonable and valid cause to apply to the DVLA for the Defendants details. VCS has failed to provide ANY valid  contract with the landowners. “No stopping” is prohibitive therefore cannot form a contract the event happened on a bus stop over which VCS has no jurisdiction the signage either does not show that there was a charge of £100 for stopping, or the font size was too small for any motorist to be able to read it  the signage does not show the Creditor which fails the IPC CoP and hence the signage is not valid the WS contract does not authorise VCS to pursue motorists to Court Given all these factors it seems that VCS have breached the GDPR of the Defendant quite substantially and it would appear right that an exemplary award is made against VCS in the hope that they will drop all further cases at Doncaster airport where they are pursuing motorists on non relevant land. The Defendant wishes to bring to the attention of the court that the Claimant cites an irrelevant case of a car park and tries to apply its merits to a bus stop. That in itself invalidates the entire fallacious claim. Accordingly, this case is totally without merit. Some statements are pretty close to perjury and others are designed to mislead or misdirect. None of the analogies seem appropriate or relevant. All the false information presented as a statement of truth could have been stated using half the words and without all the repetition which appears to be trying to build a strong case where there is none at all. One particularly bad example of misdirection is in the photographs. The Clearway sign shown near the bus stop is very unclear unlike the Clearway sign two photos before it which may well include terms and conditions. The one by the bus stop is totally different.   47. Lastly I wish to bring to the attention of the court, a systematic pattern of the Claimant’s court action behaviour in several of their cases. They tend to have a VCS paralegal writing a Witness Statement, then mentioning in the last paragraph of the Witness Statement that they may be unable to attend court and subsequently the paralegals never turn up to be cross examined. In the event that Mohammed Wali is unable to attend court to be asked about his claims, then I would like to know why he is not able to attend when the hearing has been scheduled months in advance, is during working hours and as a result of covid, is online, meaning there is no travel involved. Ambreen Arshad, the other paralegal employed by VCS, does exactly the same. 
    • Hang on. don't panic!   You sent the snotty letter which has told the fleecers to put up or shut up.  So far they've haven't taken you to court.  This might change, but so far you're in the driving seat.  You don't have to deal with them any more.  It's up to them if they have the gonads to start court action or not.   Regarding DCBL, they are not representing their client in the normal way that a solicitor represents a client, because the sums of money involved are too low for that.  They are just chucked a few quid to send a couple of "threatening" letters.  There is no point in dealing with them.   If you want the original PCN send a SAR to UKPCM only.  For the SAR letter simply click on "SAR".   However, the SAR has nothing to do with the 30 days, you've already dealt with that with the snotty letter.  You need to read lots of similar threads and familiarise yourself with the legal process.  CAG is a superb free library.    
    • Hi again, so I will send a SAR to UKPC because I don't remember seeing the  NTK.  Then should I let DCBL know otherwise they will probably issue the court papers but they might hold off if i tell them about the SAR?   what do you think?  I need to do it this weekend or it will be beyond the 30 days.  Otherwise to let it run will definitely lead to a court case perhaps??   Can I get a copy of a SAR letter on here? thanks
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Barclays *WON* **CRA Files cleaned up**


zoemk10
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I will try and keep this short!

 

Ive been banking with Barclays since 1995 and there have been good and some not so good times! I've always had an overdraft. Last year when they introduced the new fees my monthly interest went from approx £11 to about £48 per month! I wrote to them in Sept and explained I was already struggling and asked if they could freeze the interest and in return I would pay £50 per month which would reduce the balance of the overdraft- I asked for 6 months and then for it to be reviewed. They acknowledge my complaint but I did not hear from them for several months, apparently they wrote to me in November but I did get the letter and also my father passed away on December 12th and was gravely ill for weeks leading up to this so it wasn't really on my mind. I contacted them in February and asked what was happening and they then sent another copy of the letter and a cheque for £50 for the delay. In the meantime I had been making the payments of £50 per month without an arrangement in place but they had not frozen the interest.

 

The letter rejected my request and therefore I contact the FOS. After what seems like forever in May the FOS ruled in my favour and ordered Barclays to refund the charges from September and pay me £75 compensation. Now the other issue was that up until March Barclays had never in 20 years reported the running of my account to a credit reference agency but in March they decided to withdraw my overdraft and report this via the CRA's it it looked like I was £1300 OD against a limit of ZERO and also 5 payments behind! They were also ordered to make an arrangement with me, change my credit file from March to show an arrangement and show my overdraft limit.

 

I made a formal arrangement to pay the balance in 6 months at £150 per month, more than I can afford but they would not accept less! It is now nearly September and whilst Equifax shows and arrangement since March, the balance is incorrect - it shows £1268 when its now just £550. Experian hasn't been updated at all and I only found this out because I have good credit outside of this and I want to pay a house, I applied for a agreement in principle and was declined due to this information showing me 5 payments behind! I lost the house I wanted!

 

I recontacted the FOS who all along have been very lenient on Barclays and the advisor was actually trying to tell my that its the way Experian report and therefore not Barclays fault. She also said she was surprised I could get a mortgage with an arrangement showing but Ive been assured once this is sorted it is all fine. I insisted she go back to Barclays and she said she emailed them but they didnt come back to her and now shes gone on holiday for 3 weeks! Barclays will not discuss this matter with me directly.

 

I just dont know what to do? this has been going for a year! Barclays just seem intent on making this as difficult as possible. I mentioned the ICO to the FOS and they said I dont need the ICO, is this right??

 

Any advice would be appreciated. Can I claim compensation for them making me lose the house I so desperately wanted?

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Please tell me you bank with someone else now?

 

If not then do so.

 

If the information on your CRF is inaccurate then you need to lodge a complaint with the CRA that is processing and reporting

inaccurate data on your file, and inform them that if it is not rectified immediately, then you will seek legal advice

with a view of taking legal action against them and Sharklays for defamation, and as you have been refused a house

due to this incorrect data, your claim for damages will be substantial.

 

You can also place a notice of correction against the entry to the effect that it is inaccurate and doesn't reflect the true running of the account.

 

Have you made a separate complaint to Sharklays regarding their childish behaviour in removing your OD and deliberately forcing you into debt?

 

Have you reclaimed ALL of their specious charges & interest?

 

Keep everything in writing, stay OFF the phone, keep a diary of events also, and copies of anything you send, you can get ''proof of posting'' which is free from the PO counter for any letters you send.

 

I believe that BCOBS will be your guardian angel in all of this, there must be something in there which states that the bank cannot deliberately act like a 2 year old just because they don't get their way, and removing an OD to deliberately put you into debt so they can mark your credit files adversely,

you should seriously think about dragging these crooks to court.

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!

 

 

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Hi Zoemk,

 

If the FOS adjudicator is on hols, that should not delay the complaint. If you think the adjudicator's action or conclusions are wrong, you can get the case reviewed by an Ombudsman.

 

I'm not sure the ICO will be of much use to you in this case.

 

You could sue the bank seeking a nominal amount for damages. But you would need to prove actual financial loss connected with the failed house purchase and this may not be at all simple.

 

Read up on the case of Richard Durkin v DSG Retail. There are summaries of the case on the web, eg here - https://www.google.co.uk/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0CCEQFjAAahUKEwjLjICy1dPHAhVsWdsKHaDzD5o&url=http%3A%2F%2Fukscblog.com%2Fcase-comment-durkin-v-dsg-retail-limited-anor-2014-uksc-21%2F&ei=1XbkVYvOEeyy7Qag57_QCQ&usg=AFQjCNEyPswComauWfqHzu83aM-kh7drAQ

 

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Thank you for the replies.

 

Yes I had another account with Santander and moved everything to them including salary when this started.

 

I will contact Experian today and no I haven't issued another complaint to Barclays re the handling of the FOS decision, the information on my CRF, their dragging of heels re actually processing this matter or the fact that this is stopping me moving forward with my life, I can't buy a house, I can't buy a car and they don't care! Should I write to Barclays and raise a new complaint?

 

I receive all of the charges back but no interest however the FOS asked me to sign a settlement form so I think I will have to let that one go.

 

So do you think I should write to Barclays or issue a claim in the small claims court for damages? I did not incur financial loss re the house I'm just unable to get a mortgage right now and my credit file has been searched which isn't great for for a score either. I currently Have moved in with my mum because I don't have anywhere to live!!

 

I have asked for my case to be reviewed by the ombudsman but I have been advised this will not be a quick process. I get the feeling the adjudicator has had enough of this and just wants to move on from it!

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I think a review by the Ombudsman will be worthwhile if you can identify specific issues that have been addressed inadequately, such as the interest charges, etc.

 

I'd wait until the FOS review is complete. Then you can decide if you have unresolved issues, and how they should be dealt with.

 

Taking court action is not the only, or the safest, course of action.

 

Have you looked into the Durkin case yet.

 

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Hi

 

Yes looked over the case the there are similarities. I'm going to make an SAR for all of the complaint correspondence just in case I'm not happy with what the ombudsman says. I may seek further damages for defamation though, I may now not be able to get a mortgage for several months because of this!

 

 

 

 

I think a review by the Ombudsman will be worthwhile if you can identify specific issues that have been addressed inadequately, such as the interest charges, etc.

 

I'd wait until the FOS review is complete. Then you can decide if you have unresolved issues, and how they should be dealt with.

 

Taking court action is not the only, or the safest, course of action.

 

Have you looked into the Durkin case yet.

 

:-)

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Also to be honest I would not try and claim damages for the house loss as I had not spent any money and there was no guarantee the house was mine! However Barclays have put in a position where I cannot get credit at all! I've spent years rebuilding my credit and they've effectively destroyed it and even if this gets sorted I will still have incurred months of humiliation as a consequence. How could I be 5 payment behind on something that no payments were in place for! And they cancelled my overdraft despite the matter being in the hands of the fos. When I mentioned this to the fos at the time they simply said that an overdraft could be withdraw at anytime, but I argued that it was a little poor to withdraw it whilst a complaint was ongoing and after 20years!

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You're more likely to get a fairer decision from an Ombudsman's review.

 

But be careful to present good, brief arguments with the aim of presenting new relevant info for them to consider.

 

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Sorry haven't done this before but should I prepare a concise letter for the ombudsman? My adjudicator said she would prepare my file but hasn't asked me for additional information.

 

 

You're more likely to get a fairer decision from an Ombudsman's review.

 

But be careful to present good, brief arguments with the aim of presenting new relevant info for them to consider.

 

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If you have additional info that you think should help the Ombudsman reach a better decision for you, send it to the Adjudicator in a letter now asking for it to be added to your file before it's reviewed by the Ombudsman.

 

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I've just been told by the FOS that the average wait for an ombudsman decision at the moment is 6 months!!!!

 

So do I leave it with the OM's or raise another complaint directly with Barclays and say I will take legal action if the matter is not resolved effectively and swiftly?!

 

Do you think Barclays are happy to be voted worst bank every year? They don't seem to be keen to lose the title!!

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I think you may also have some help in the form of The Lending Code. Read here - http://www.consumeractiongroup.co.uk/forum/showthread.php?387436-Letter-for-consideration-regarding-Hardship-or-Financial-Difficulty

 

Also, read the relevant sections of The Lending Code. The code places a responsibility on the bank to identify and assist customers in Financial Difficulty.

 

Despite what the letter says, we've not seen the banks willing to refund historical charges. But they should have considered their option to stop or lower interest and/or charges once they're of your FD's.

 

I think you should stick with the option to seek the Ombudsman's review. Research your options including The Lending Code, BCOBs, etc and use these to persuade the Ombudsman that the Adjudicator's decision was not good enough.

 

Have you told the CRA's about your dispute and the correct figures they should be reporting.

 

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Just a bit of an update. After over a week Barclays have come back to the FOS and told them that they do not have access to the information on my credit file! They've said they need to contact the CRA and ask them what is going on??? Really, do they think I am stupid and why are the FOS letting them do this?

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The FOS will lean in favour of the bank and give them lots of time at each stage of investigation.

 

Have you told the CRA's about the dispute and asked them to amend the entries until this is sorted.

 

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  • 4 weeks later...

UPDATE** So this is still going on! The FOS gave the case to another adjudicator to push Barclays to honor the original decision, they agreed to this in July and so the FOS flt it was just a matter of chatting through.

 

Barclays used all sorts of delay tactics, e.g. they couldn't see my credit file?? The person dealing with it was on leave, their contact at Experian was on leave! The adjudicator completely agrees with me and so finally they had a call on Friday and Barclays REJECTED the findings!! This is after agreeing in July. So the matter now has to go to an ombudsman.

 

This latest saga has delayed things by another 6 weeks but the FOS said that they would sort this as Barclays has already agreed to the decision and it was just matter of sorting that out! Furthermore In July I had to sign an acceptance form re the decision and assume the bank would need to do the same? How can they now go back on this? They say they refunded the charges as a gesture of goodwill! They've never said this before.

 

This is having a profound effect on my life, my credit rating is being dragged down due to this, (after years and years of paying debts and getting to an ok position). I need to get car finance but I can't get s decent deal as my score is too low, I don't want to go into something far more expensive just because of this but in 3 weeks my car needs to go back!

 

I cant get a mortgage and generally its just causing me to feel really down. I really dont know what to do.

Edited by maroondevo52
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I really don't know what else you can do?

 

The FOS is dealing with it and seems to be on your side, you can always ask for compo due to the unacceptable way Sharklays are treating you, and I'm pretty sure their will be something in BCOBS that will screw them too the floorboards?

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!

 

 

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Hi

 

Thanks for the reply. The FOS do seem to be on my side but also seem to be allowing Barclays to pay these games. Eg, our contact is on leave for 2 weeks - well deal with someone else then! Instead they waited 2 weeks! I've also logged a complaint with the FOS about the service I have received.

 

With regards to the BCOBS from what I've read the legislation does not extend to overdrafts? I couldn't find a website either?

 

x

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Hi Zoemk,

 

Do you have all this info from The FOS in writing.

 

Have you made it clear to the FOS that you expect adequate compensation from the bank.

 

Are you able to quantify any specific losses.

 

If you're unable to get this resolved properly by The FOS, you can resort to court action. I suggest you use these delays to research the issue of court action against the bank.

 

:-)

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Just wanted to let you know Barclays have now had a change of heart of and have agreed to alter my credit file to show me as up to date!! Plus an extra £275 in compensation:) I'm so happy this is over!

 

Its being processed right now and should update within 48 hours!

 

Thank you for help and advice. I'm going to make a donation right now!

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Hi Zoemk and thanks for the update.

 

This is great news and let us know when the CRA files are amended and you get the compensation.

 

Thanks for the Site Donation which will help us be here to help in the future.

 

Thread title amended to reflect your win.

 

:-)

We could do with some help from you

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                                            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 !:-)

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Well done Zoemk

 

Excellent work to all involved.

 

Regards

 

Andy

We could do with some help from you.

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Pleased to hear this is now resolved. It is very frustrating when you have to put so much effort in to dealing with not only the banks, but the FOS as well.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

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Dealing with Customer Service Departments? - read the CAG Guide first

 

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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