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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Robinson Way with very old Barclay Card debt


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Hi All,

 

Been a long time since I've been on the forum but need a little advice if possible.

 

I believe I defaulted with Barclay card back in 2010 but I'm not sure of the exact date.:!:

 

Had personal/business problems back in 2010 (actually before if you see my posts) which ended with me becoming divorced. After this point I "stuck my hand in the sand" and ignored a lot of the relentless letters from them (and others) as the recession had wiped my business out and I had far bigger things to worry about.:violin:

 

Over the years I haven't heard much from BC seeing as I'd left the marital home. Some letters did go to the old house but were ignored/binned and some of these were from various debt collectors. I know - not clever.

 

I've started to to get a few letters recently from Robinson Way at my new home address that I'm renting (on the electoral role) and even an email to my business email account. To date I haven't replied to them but can't work out how the debt they are chasing for has gone up to £7684, my original credit card limit was £7k I think.

 

As you can possibly gather I'm not in good position with facts as a lot of this got lost all those years ago. I've moved on in life and have remarried and don't want all the relentless hassle these companies make however I do want to fix my credit file.

 

How/should I communicate with them? Don't really want all the pestering of paying them this inflated/made up figure with the penalty of them marking my credit file for another 6 years:evil:!!

 

Thanks guys

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is the debt defaulted on your file

I expect so

 

 

then theres nowt they can really do to extend that debts entry

as the debt will vanish off the file on the defaults 6th birthday.

 

 

ok they could go for a CCJ and to an old address

and that would then be there for 6yrs.

 

 

I suspect that's why you are getting the letters

 

 

its coming upto to the SB date. [6yrs no payment or written ack by you]

 

 

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... 

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Many thanks DX100UK,

 

Is there a way of finding out if I've got a CCJ - don't they have to go to court to get one of those or at least a letter from a court?

 

I've found a website called TrustOnline http://www.trustonline.org.uk/ which seems to offer a way of checking for CCJ's without having to resort to using Experian or Equifax.

 

And is there a system for finding out when the date of when I defaulted without talking to Robinson Way, do I talk to Barclay Card?

 

Thanks so much

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it would be on your credit file if there were one.

 

 

as long as all you old addresses show on your cra file

 

 

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... 

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Thanks Catquest,

 

The higher figure is why I'm disputing it, I just don't recognise it as being a true figure. I'm sure there are some added on "fees" that bump this up.

 

Is there a process to get the facts fom either Robinson Way or Barclay Card without acknowledging that I owe the debt?

 

I'm bitter that these debt companies are making a business out of people so that's why I would prefer playing "hard ball" - paid thousands of £ during the down turn in interest and late fees.

 

Who does Barclay Card use as a Credit Reference Agency?

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Just started a free credit check with Equifax - Credit score is poor at 332 with Barclay being the only problem area. The info given has certainly jogged my memory.

 

Sorry guys for being so vague.

 

OK, so I was communicating and making intermittent token payments of between £50 - £100 pm to Barclay Card up until July 2012! I didn't make any further payments after that month and they gave up with the account in FEB 2013 and marked it as settled on that month (see screen below) but it isn't marked as being defaulted, rather it shows as being passed on to a company called Hoist Portfolio Holding 2 Limited (see 2nd screen shot)

 

2nd screen - company who took over the debt.

 

 

I can't see any CCJ against my name.

 

 

 

 

Sorry everyone.

barclay.jpg

barclay.jpg

barclay1.jpg

ccj.jpg

Edited by fevr
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are all your old addresses showing in the linked addresses etc section?

 

 

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... 

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Thanks for coming back to me dx100uk,

 

Yes, both the old marital home and the new address that I'm renting now are showing.

 

 

Btw and I don't know if it's relevent, there is the mortgage on the old property showing on the report that is still being paid by my ex but the property is in both names, she is also shown as financially linked. We haven't been able to resolved the financial split even after these years.

Edited by fevr
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sounds all correct

 

 

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... 

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Hi Fevr,

 

The SAR should reveal most of the data you need from BC, ie the default date, all penalty charges added to the a/c.

 

This will not be a relevant acknowledgement of the debt.

 

:-)

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  • 3 years later...

Hi Everyone,

 

 

I just wanted a bit of info on what Robinson Way could do now that the debt they have been chasing is over 6 years?

 

btw, I'm pretty certain it is now finally over 6 years as I can't see the Hoist Portfolio 2 Ltd (they bought the Barclay card debt I think and then RW got involved)  RED  mark on my credit report check with either Experian or Equifax - my credit score has shot up to "excellent"  now which is something I haven't seen since before the financial crash of 2009!!! 👍  I believe the 6 YEARS deadline was around the end of FEB 2019/ beginning of MARCH 2019

 

I was getting a lot more text messages, calls and email recently (starting more in JAN/FEB2019) and even got a text message today - when do they stop??

 

I had someone call me last week (I normally don't pick up numbers I don't recognise and ignore all RW emails/texts) from Robinson Way and I'm pretty certain this happened after the 6 years. He asked me to confirm my address which obviously I wouldn't give to him for Security and compliance reasons 😉 which stumped him. Certainly didn't want them knowing my new address.

 

Back in 2012/13 I had disputed the inflated debt amount with BarclayCard so I've ignored Hoist/RW for years and years without them taking any legal action at all.  

 

I just want this lot to move on really as I don't really want to have to change my mobile number due to the harassment going on forever🤬

 

Below is the previous post I put up on CAG back in 2016

 

Edited by fevr
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Threads merged

 

send our sb letter then

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... 

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1 hour ago, dx100uk said:

Thanks Threads merged

 

send our sb letter then

 

Thanks a million dx100uk.

 

I think I found the Statute Barred letter in the library but it seems rather old as it's dated 2013. Is this still ok to use as I know the law can change over the years, especially in light of DOYLE vs PRA Group?

 

Cheers

 

Fevr

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Should be in the debt collection section

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... 

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