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    • Well I really don't know where to begin with this. I've spent hours trying to figure out what to put but it seems that every witness statement is different depending on the exact circumstances. I know that I shouldn't put all my cards on the table but I don't know which ones to hold back and which ones to get rid of altogether.   This is what I have so far...   I, XXX of XXX am the Defendant in this case. I make this statement in support of my defence again the Claimant, Civil Enforcement Ltd.   1.       CEL make it impossible for defendants to discuss PCNs with them or their representatives:              A.       On the 26th Nov 2018 I received an unexpected PCN from CEL. I immediately went onto their “Contact Us” page, which stated that operators are available to speak to during normal working hours (see appendix 1 - THIS IS JUST A COPY OF THEIR CONTACT US PAGE). I tried calling numerous times to discuss the matter but regardless of what time of day I called there was no option to speak to an operator, only an automated system to pay.              B.       When I received a debt collection notice from ZZPS (see appendix 2 - COPY OF LETTER) the letter instructed me to call them on 01932918916.                      14th Mar 2019 - I tried calling several times and have a call recording I can play for the court to show that it was impossible to speak to anyone. Instead I was played the following automated message: “The party’s call minder belonging to 01473478289 is full and can’t accept any more messages. Please try again later. Goodbye.” The call then hangs up.                     19th Mar 2019 - I tried again at several times throughout the day and this time a message played thanking me for calling ZZPS and asked me to hold. It then rang for 2 minutes before repeating the same message. This happened over and over again. I have two recording that I can play for the court showing this to be true, one that lasted 9 minutes and the other for 10 minutes before each time giving up.            It appears that there is some unreliable call routing in place meaning that I had no way of contacting CEL or ZZPS as they both advise.   2.       CEL failed to produce any of the documentation I requested in writing, which obstructed me from making a decision on how to proceed with this case:             A.       On the 3rd Dec 2018 I completed CEL’s online Appeals Form (see appendix 3 for a saved copy of the submitted form - ATTACHED TO THIS POST). CEL responded (see appendix 4) but failed to answer any question, stating that GDPR prevented them from doing so.             B.       On the 14th Aug 2019 I sent them a CPR 31.14 Request letter (see appendix 5). CEL did not respond.   3.       According to Schedule 3, Part 1, Class 13 of The Town and Country Planning (Control of Advertisements) (England) Regulations 2007, only signage older than 10 years is deemed as having consent granted.   CEL has changed its signage 3 times within the last 10 years, which can be clearly seen from Google Street mapping images:            A.       2018 – Present: Signage stating 1hr free parking (appendix 6a)            B.       2012 – 2017: Signage stating 3hr free parking (appendix 6b)            C.       2008 – 2012: Signage stating 2hr free parking (appendix 6c)   CEL’s current signage was installed at some point during 2018 but according to Stockport Council’s online planning applications search system no planning permission was granted. I believe the signage has therefore been erected illegally, which makes it impossible to enter into a contract with them.   4.       CEL has also added legal costs to their claim, which is not recoverable within the Small Claims Court.   I believe that the following facts stated in this Witness Statement are true.   Have I made a complete balls-up of this or am I going in the right direction? I thought it might work in my favour if I try to show the judge that I made every reasonable effort to resolve this without going to court but CEL purposely make appeals as difficult as possible. Perhaps none of that matters. Not sure. 🤔 Appeal Text.pdf
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    • This will be ok for you to offer the final 1 month's fee you should have paid :-   Dear Harlands,   I refer to my membership at [town/city] gym.   The DD mandate was cancelled after the June 2019 payment was made and this was notice of my intent to cancel the gym membership.   I now realise I should have left the DD Mandate open to pay a final month's fee for the notice period.   Please confirm your bank payment details and a reference so I can pay you the £xx.xx to end this matter. I will not pay any admin fees added by Harlands. I will only deal with this matter in writing, not by phone.   My offer is valid for 14 days only and will be withdrawn if you demand any higher amount.   Yours sincerely,
    • seems like your payment issue is not just your error      
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Cathe

Barclays withdrawn all my money both in current and savings

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Dear members,

 

I'm a student in London.

Yesterday I found that both of my account balance became zero

and the money has been transferred TO RECONCILE Debit COVENTRY OPS 05 ADV.

 

 

I went to a nearest branch to ask what happened to my account.

They said they couldn't touch the money now and I have to write an email to reportasam

(a barclays email, I can't post it here) to clarify the source of my money.

 

After searching on the Internet I realized what happened.

At the beginning of this year, my ex-boy friend has purchased a property in London.

But in my home country, there is limit amount for foreign currency

so he can't purchase enough pounds to buy the property.

 

 

Therefore, he transferred domestic money to people who are working in UK

and let them deposit cash or make payment of pounds to his UK bank account.

And then he asked me for help.

 

As a result,

a total amount of around 80,000 pounds has been deposited to my account

and then transferred to my ex-boy friend's account from January to the end of February.

 

 

I think Barclays suspect that it might be money laundering and then withdraw all my money.

We broke up in March and then I didn't do that again.

I get nothing from those transactions....

 

As a student, all my money are from my parents and now I don't have any money to live.

I've sent an email to that address but it does not work till now.

What else can I do to get my money back as soon as possible?

 

Please give advice.

Thank you very much!

 

Catherine

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Sadly I think you need to comply with their requests.

 

You will need to prove where the funds came from, what it is for etc.

 

You sound like you have already read up on CIFAS


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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.

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Sadly I think you need to comply with their requests.

 

You will need to prove where the funds came from, what it is for etc.

 

You sound like you have already read up on CIFAS

 

What if I can't explain those fund clearly?

Since those money are cash deposit.

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There are a lots of threads recently across many forums on this matter and could be a sc4m victim. If you are unable to account for these funds you may have more issues to face in the near future.

 

 

Beware of doing this anytime soon.... You may wish to read up on 'Being a money Mule'

 

Or see here >> http://www.actionfraud.police.uk/fraud-az-money-muling


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Hi Cathe and welcome to CAG

 

As he's now your ex, I'm not sure if you can rely on help from him in giving evidence about transactions.

 

In the majority of cases we've seen here over the last 8 years or more, money is returned to the account holder within 7 to 14 days.

 

However, in your case, the nature of the transactions you did for your ex may leave you at risk of longer delays, or the loss of your money.

 

Roughly how much has been taken from you.

 

I think you should take urgent action to arrange funds you can borrow from family or friends to see you through the next week or two. You may also need to consider opening an account with a different bank because Barclays may decide to close your account if if they agree to return your funds.

 

You should think very carefully about allowing others to use you and your bank facilities in the future. This could prove to be a costly mistake. :sad:

 

:-)

Edited by slick132

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Hi Cathe and welcome to CAG

 

As he's now your ex, I'm not sure if you can rely on help from him in giving evidence about transactions.

 

In the majority of cases we've seen here over the last 8 years or more, money is returned to the account holder within 7 to 14 days.

 

However, in your case, the nature of the transactions you did for your ex may leave you at risk of longer delays, or the loss of your money.

 

Roughly how much has been taken from you.

 

I think you should take urgent action to arrange funds you can borrow from family or friends to see you through the next week or two. You may also need to consider opening an account with a different bank because Barclays may decide to close your account if if they agree to return your funds.

 

You should think very carefully about allowing others to use you and your bank facilities in the future. This could prove to be a costly mistake. :sad:

 

:-)

 

Hey, thanks a lot for your advice.

 

They've already sent me a letter about closing my account on 19/June and I opened a new account in another bank but haven't received the card yet. I just didn't expect they withdraw all my money before that date.

 

 

I have to admit that this is my fault since my ex knows the password of my online banking and did some transactions that I didn't know. Is it useful to ask him for help?

 

 

Cathe

Edited by slick132

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Well, you helped your boyfriend and now he needs to help you.

Hopefully he can prove that the money came from a legal source and all should be sorted.

If it's "random" cash coming from someone unemployed you might find some further obstacles in recovering your money.

You need to be a bit firm with your bank if you want to speak to someone as they tempt to ignore emails in such cases.

Record all calls, just in case 😊

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Well, you helped your boyfriend and now he needs to help you.

Hopefully he can prove that the money came from a legal source and all should be sorted.

If it's "random" cash coming from someone unemployed you might find some further obstacles in recovering your money.

You need to be a bit firm with your bank if you want to speak to someone as they tempt to ignore emails in such cases.

Record all calls, just in case 😊

 

He literally can't prove the money came from a legal source since those are "random" cash collected from several places. If they ignore emails, who should I call?

 

Thanks.

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Hi Cathe,

 

You should expect to have very little information from the bank while enquiries are made.

 

I doubt you will get information by phone or by email. I suggest you go back to the local Barclays branch and ask them to give whatever information they can, because you are a student and you are struggling to live without your money.

 

Give us an update when you know more, or if the bank hasn't returned your money by the end of next week.

 

:-)


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£80.000 of "random" money will probably trigger a higher investigation for money laundering.

The link explaining money mules gives a better idea of what your ex could be doing.

If I were you I would confront him to ask where this massive amount of "random" cash came from and get his backside to the bank with you to take full responsibility.

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Hi Cathe,

 

You should expect to have very little information from the bank while enquiries are made.

 

I doubt you will get information by phone or by email. I suggest you go back to the local Barclays branch and ask them to give whatever information they can, because you are a student and you are struggling to live without your money.

 

Give us an update when you know more, or if the bank hasn't returned your money by the end of next week.

 

:-)

 

 

I've got my money back on 28 May.

 

During this period, I just sent 2 emails to clarify my situation and one day I found that the money has been back.

 

Either branch or phone service can't help nothing.

 

Anyway it's not a bad result.

 

Thank you very much for the advice and help.

 

 

:-)

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Hi Cathe,

 

Thanks for the update and I'm delighted you have access to your money again.

 

You should still go ahead with the new bank account as Barclays will probably still want your account closed.

 

I'm sure you have learned a valuable lesson from this. Don't allow a relative, a friend or even a boyfriend to use your bank account to move money around like this again. If you do, you may end up in trouble again or find that No UK bank will want you as a customer.

 

:-)


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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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