Jump to content


  • Tweets

  • Posts

    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
  • 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 Default Notice Removal **Claim settled (probably)**


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

Thread Locked

because no one has posted on it for the last 2906 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

Hello Caggers,

 

I have gained immensely from the advice on this forum...thanks for that everyone.

 

 

I need help in removing a DN from my credit file please.

 

 

The entry was made in Aug 2010 by Barclaycard for #492.

 

 

I have emailed CEO using one of the sample letters on here and got a response from a lady called Judith Hayes.

 

 

She has promised to send statements and records.

 

 

She also mentioned that some of the charges are made up of PPI, Penalties and Interest charges.

 

 

This is a cummulative total of the charges vs credit limit

 

Credit Limit vs Balance History

2009 2010 2011

Jan -61 -232

Feb -94 -232

Mar -128 -232

Apr -163 -232

May -200 -232

Jun -226 -232

Jul -229 -232

Aug - 232 -232

Sep -232 -232

Oct -13 -232 -232

Nov 30 -232 -232

Dec -28 -232 -232

 

Ideas and suggestions all welcome.

Thanks

Link to post
Share on other sites

  • Replies 80
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

I would send them an sar get all the statements

 

 

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 dx100uk .

 

 

I will dispatch the letter asap and provide regular updates here

 

 

The lady I spoke to said she will include a final reply and if I am not satisfied I should go to the ombudsman.

 

 

my fear is that I am currently in the middle of a mortgage app and they have brought this up.

 

 

Is it worth speaking to the lady again to get this removed as it appears that the charges tipped the account into default?.

 

 

The original limit was 260 pounds and accrued charges is now 232 pounds.

 

 

Would I be able to use this as leverage to get the DN removed?

Link to post
Share on other sites

you need to prove that the PPI+the int it got charged

and

the PENALTY [£12 fees]+the Int they got charged

 

 

to the point of the Default notice

 

 

would be more the balance claimed on the DN

 

 

if you can

the default must be removed.

 

 

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

Hi Bradybunch and welcome to CAG

 

Stay OFF the phone and keep everything in writing only. You need proof of all exchanges so stick to email or written letters.

 

Getting a DN removed is not easy. And there are no likely shortcuts. I very much doubt you'll get the DN removed by talking to the lady you've referred to.

 

If you don't have all the a/c statements, get the info with the SAR, so you can see exactly how much you've been charged in PPI and penalty charges.

 

:-)

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 dx.

 

 

i have attached a screen grab of the CRA entry.

 

 

credit limit was 260 in Nov 2009,

 

 

credit card balance was 230

 

 

in Dec 2009 there was a missed payment and a 58 pounds charge was applied

 

 

which took the card over its limit and increased by about 30 pounds monthly till Aug 2010 when it was defaulted.

Link to post
Share on other sites

Hi guys, Barclaycard have sent some documents back to me from 2007.

 

 

They also sent a FORMAL FINAL NOTICE (CALDER) and a DEFAULT NOTICE ( MERCER). nothing officially from Barclaycard.

 

Credit Limit: 260

Dec 2009: balance was 288

Jan 2010- June 2010: £12 (over limit charges) + £12 (late payment penalty) monthly

June 2010 -Aug 2010: £12 (over limit charges) monthly

PPI Nov 2007- June 2010: £68

 

This is meant to be the FINAL response and I have been referred to the FOS for escalation.

 

 

I am hoping to argue on technicalities and the charges plus int (8%).

 

 

Is this the right way to go please.

 

Thanks guys

Link to post
Share on other sites

Hi BB,

 

There's another way to tackle this - reclaim all penalty charges plus compound restitutionary interest at 24.9%.

 

Read through a few of the recent **WON** threads here - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

Put the penalty charges on a compound int't spreadsheet and let us know the totals for charges and for int't.

 

Court action against BC may be quicker, more rewarding financially and a way to get BC to remove all adverse data about the a/c.

 

:-)

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 Slick,

 

Thanks for your response. I had the account between 2003-2010 (year of default) and the last payment to the account/card was in Nov 2009. In calculating the cumulative interest on charges etc, should I use the period Dec 2009-Aug 2010, or Dec 2009-Date? I have also read somewhere that where a DN was not served by the original creditors, such DN will be deemed invalid. Is this correct?... thanks

Edited by bradybunch
Attach documents
Link to post
Share on other sites

Hi BB,

 

Use a compound interest spreadsheet to list the date, narrative and amount for each charge when it was made by BC.

 

All the info you need will be in the *WON* threads I referred to above.

 

:-)

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 Slick,

 

Thanks for your help with this. do I need a SAR at all or should I just go with what I have?

 

Can anyone please point me towards where I can get a Prelim claim template please.

 

Thanks

BB

Edited by bradybunch
Link to post
Share on other sites

Hi BB,

 

If you're sure you have all statement data for periods when you suffered penalty charges, go with what you have.

 

If you are missing statements for periods when you may have been charged, send off an SAR.

 

Your spready looks ok so far EXCEPT you should not include the interest charged by BC each month. That is taken care of by claiming restitutionary interest.

 

:-)

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 Slick.. Just to re-cap

 

1. The end date in the spreadsheet is an excell formular =Today() and not the date of Default. Is this correct?

2. If the numbers are good, then the next steps are

2a Sent a Prelim Claim letter (Can you please refer me to where I can get a template for this?)

2b if response is negative, send an LBA letter (Can you please refer me to where I can get a template for this?)

3. If response is not satisfactory, GO TO COURT

 

The aim of all thes is to get the DN removed and the charges erased.

 

Have I missed anything?

Link to post
Share on other sites

interest on std bal needs removing.

 

 

if not already done

 

 

leave the claim to date calc alone

 

 

if you look in this forum

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

 

the rest of what you need should be detailed in won threads

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

Hi BB,

 

1. The spready always uses the current date when it's opened and that's correct. So each time you open it, the interest will have increased from the previous occasion. The Default date is not relevant.

 

2.a&b. Prelim Claim/LBA letter here from our Library - http://www.consumeractiongroup.co.uk/forum/showthread.php?405889-LEGAL-Reclaiming-Credit-Card-Charges-Preliminary-Letter-Before-Action

 

3. Correct.

 

Use your time wisely while waiting for Barclays to reply. Read through the *WON* threads and make notes about reclaiming and about getting a DN removed.

 

Do the research so you can run your claim properly.

 

:-)

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 BB,

 

I suggest you start a separate thread in the PPI forum to deal with this aspect of your case.

 

PPI is dealt with differently and you will not claim the PPI as part of a court claim, nor will you seek restitutionary compound int't.

 

Read threads in the PPI forum and Stickies there to get an idea of how to reclaim the PPI properly.

 

:-)

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

Dealing now with the penalty charges, I note there are 12 more £12 charges on the 2nd sheet that weren't on the 1st one.

 

Did you originally miss these ?

 

:-)

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

Slick, that was an excellent spot. I missed them initially. I have included charges from 2007 in the updated version of the spready. I will claim for the charges and do the PPI separately. I have attached my Prelim Letter.

thanks for your help Slick

Link to post
Share on other sites

Hi BB,

 

One tiny suggestion :-

 

Para 3 - "...... and I also claim restitutionary interest of ......"

 

Otherwise, the letter looks good to go.

 

Follow up with the LBA after 14 days but update the letter to reflect the slightly higher interest that will show in the spready.

 

:-)

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

  • 3 weeks later...

Hi Slick, fired the first salvo (preliminary letter) two weeks ago and I have not received any response from BC. I will be sending the LBA on Monday. Do I need to introduce the Sempra case and the Kleinwort case as well in the LBA? Can these be introduce in the POC later if I don`t introduce them now?

Link to post
Share on other sites

Hi BB,

 

No need to mention Sempra Metals or Kleinwort Benson in the Prelim or LBA. Have you taken time to read through other cases as these will tell you almost everything you need to know.

 

You need only mention briefly that you will rely on the 2 cases in the POC.

 

You'll only go into more detail when it comes to preparing evidence (generally referred to a your court bundle) to present for your case.

 

:-)

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

Update on this case. I received this letter from BC. It looks pretty similar to what others have gotten or am I missing something. I am sending my lba on Monday regardless. BC have admitted that they have charged me more than £12 in the past so I am also sending a SAR.

Link to post
Share on other sites

Hi BB,

 

I assume you don't have all your statements for the a/c. A SAR to BC now will probably only disclose data for the last 6 years unless you take the matter further.

 

What data DO you have.

 

:-)

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...