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    • Howler, I agree with everything dx and Manxman have said. You can do this, please don't let them win.   HB
    • Hi I have received a letter from Tesco stating they will no longer reply to me regards this matter. Even though ICO have raised concerns. Please help with where I should go now. 
    • Howler - don't get pissed off.  Look at it as a game.   If I remember correctly they threatened you with having a charge put on your wife's property - which you and your wife successfully got them to back down on and you got a written apology from the chief officer(?) of the Legal Aid service.   Now they've assessed your income and outgoings and have passed it onto debt collectors without any reference back to you and without giving you an opportunity to challenge their findings.  I'd be complaining to the Legal Aid service again that that is unfair and wrong.   I know you've recently had bad news in that you've been diagnosed with some sort of brain problem (sorry - don't know how else to put it) and your wife is not well, so all this is the last thing you want, but in the overall scheme of things, it is only money.   They say you owe them, what, about £106k?  Can you afford to pay it - NO!  What can they do about it?  Sue you - so what...  nobody dies from being sued.  Get on with your lives and you and your wife enjoy yourselves.   And remember, London1971 and dx100uk reckon you should be claiming back the money you've already paid them   Just don't get depressed or down about it.  It's simply not worth it.  Even if you lose it isn't worth worrying about and making your self (and your wife) more ill.   When (or rather IF) you get an actual court claim - come back.   (It's a bit like that old saying.  You owe the Legal Aid service £1000 - that's your problem.  You owe them £100k and can't pay it - that's their problem!)
    • Hi.   I agree with Dave on which way to go with this. I know you're new to all of it but it's worth more research to see how PPCs behave, if NCP have made any errors and so on.   HB
    • Well, it's up to you, but I would consider two things.   1.  If you wanted to give in, the time to give in would have been at the start.  They're now suing you and if you pay now you'll have to pay their costs, and if it goes to a court case and you lose you'll have to pay their costs, so in a sense you might as well continue the fight.   2.  Although you were "in the wrong", it's perfectly possible that NCP don't have planning permission or sent out their demand too late, or will simply discontinue if you put in a robust Witness Statement.   Meanwhile I've tweaked the defence a bit, see if others agree or disagree.   1.  It is denied that the Claimant entered into a contract with the Defendant, or broke any such contract.   2.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was only contracted to provide car park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. The proper Claimant is the landowner.   3.  It is denied that the Claimant has complied with Schedule 4, Protection of Freedoms Act 2012 to establish keeper liability.   4.  I believe that the claimant did not obtain planning permission granted for signage etc under the Town and Country Planning Act 2007.   5.  The Defendant has added additional amounts to the claim to try to circumvent limits on legal costs in an abuse of court procedure.  
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Barclaycard PPi - Refused over 6 months ago but can I try again?


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Hi all!

I made a half hearted PPI claim v Barclaycard circa 2 years ago. As I did not escalate then I was under the impression that I could not go to the FOS now.

 

 

On another ( MSE) site mentions that I CAN go to the FOS but only if I complain to BC again first.. any thoughts?

 

 

Thanks

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give it a try

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 all!

I made a half hearted PPI claim v Barclaycard circa 2 years ago. As I did not escalate then I was under the impression that I could not go to the FOS now.

 

 

On another ( MSE) site mentions that I CAN go to the FOS but only if I complain to BC again first.. any thoughts?

 

 

Thanks

 

 

Hi BF. Did they reply and did they state that it was their 'final response'?

 

 

If so, you cannot go back to the FOS now as far as I know. I believe they allow it in exceptional circumstances but exceptional might be something like you have been out of the country with no post etc etc since you made the complaint. But worth a try as DX says.

 

 

Mike

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ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Hi Burgess,

 

Can you tell us more about the "half-hearted" PPI reclaim.

 

Do you know PPI was paid; do you think it was mis-sold or inappropriate for you; why was the claim turned down; has anything happened since to make you readdress this now.

 

:-)

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