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    • I've inserted their poc re:your.. 1 ..they did send 2 paploc's  3. neither the agreement nor default is mentioned in their 2.        
    • Hi Guys, i read a fair few threads and saw a lot of similar templates being used. i liked this one below and although i could elaborate on certain things (they ignored my CCA and sent 2 PAPs etc etc) , am i right in that at this stage keep it short? If thats the case i cant see what i need to add/change about this one   1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   Defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   3. Paragraph 2 is denied. I am unable to recall the precise details of the alleged agreement or any default notice served in breach of any defaulted payments. 4. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • i understand. Just be aware I am prepared to take some risks 😉
    • Thanks Tnook,   Bear with us while we discuss this behind the scenes - we want you to win just as much as you do but we want to find the right balance between maximising your claim without risking too much in court fees, and in possible court costs awarded to the defendant bank.
    • Tell your son and think on this. He can pay the £160  and have no further worries from them. If he read POFA  Scedule 4 he would find out that if he went to Court and lost which is unlikely on two counts at least [1] they don't do Court and 2] they know they would lose in Court] the most he would be liable to pay them is £100 or whatever the amount on the sign says. He is not liable for the admin charges as that only applies to the driver-perhaps.If he kept his nerve, he would find out that he does not owe them a penny and that applies to the driver as well. But we do need to see the signage at the entrance to the car park and around the car park as well as any T&Cs on the payment meter if there is one. He alone has to work out whether it is worth taking a few photographs to help avoid paying a single penny to these crooks as well as receiving letters threatening him with Court , bailiffs  etc trying to scare him into paying money he does not owe. They know they cannot take him to Court. They know he does not owe them a penny. But they are hoping he does not know so he pays them. If he does decide to pay, tell him to wait as eventually as a last throw of the dice they play Mister Nice Guy and offer a reduction. Great. Whatever he pays them it will be far more than he owes as their original PCN is worthless. Read other threads where our members have been ticketed for not having a permit. [We know so little about the situation that we do not know if he has a permit and forgot to display it. ]
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Dagenham Dave

Barclays Additions Fees Reclaiming

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Hello

 

This is a new post by myself and I'm quite new to this. I sent a SAR to Barclays for an account I no longer have. I'd like to know if people have had any success in claiming back the fees on theses type of accounts.....

 

I opened a Barclays Bank Account in July 1994. It was just a normal bank account with an overdraft facility should I require it. This was only intended to be a secondry account as my main account was held elsewhere.

 

I recently received my statements and some other information that the bank held about me. I remember whilst I had the account that at some stage, 2001, the title of the account changed to Barclays Additions. It was certainly not something I asked for but noticed a monthly charge on the account. Nothing in the documents I received confirm I applied for this account. Do I therefore send a CCA to Barclays or do I write a letter of complaint about account being changed without my consent?

 

If I send a CCA or letter of complaint which address do I use?

 

Any advice to help me move this on would be greatly appretiated

 

DD

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Hello there.

 

I've moved your thread to the Barclays forum and left you a link to follow from the Welcome forum.

 

People should be along later with advice for you. :)

 

HB


Illegitimi non carborundum

 

 

 

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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Hi DD and welcome to CAG

 

Have you carefully read through the thread linked by Maroondevo. I note you posted on that thread yesterday but read it, and others about Additions reclaim cases.

 

:-)


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Hello slick132 and maroondevo52

 

I will read all the thread again and see what I can pick up. I have been lucky in obtaining all the statements from the period I was put on an Additions account.

 

I had little problem getting my SAR unlike Alice but my partner is having a problem with Barclaycard

 

Regards

DD

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Hi DD and welcome to CAG

 

Have you carefully read through the thread linked by Maroondevo. I note you posted on that thread yesterday but read it, and others about Additions reclaim cases.

 

:-)

 

Hi Slick

 

Yes I've now re read Alices thread. I already have my statements which confirm about me holding an Additions account from 2001-2006. There was no evidence that came with the SAR to confirm I actually requested this type of account. I believe it was switched from my ordinary basic account which I opened in 1994.

 

Am I correct in thinking that any CCA would have been sent to me with my SAR, if that is the case then do I now send a letter of complaint?

 

Thank you for any advice you can give ☺

 

DD

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the account is no longer operational, the agreement is over..so a CCA request is pointless.

typically you don't get agreements in an SAR return

and esp so from Barclays...

 

 

have you done your spreadsheet?

that need to go with the letter of complaint

else they'll treat it as a speculative claim

and fob you off without even reading your letter.

 

 

you need to provide evidence too.


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Thank you dx, is there a template for the letter?

 

All the copies of my statements they sent me in return of my SAR cover the years I had an Additions account. In what form of evidence do I need dx? Can you advise of which Spredsheet I need and includes the 8% interest?

 

Many thanks again.......

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already answered in post 5


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I have an update to my claim with my Packaged Fee account and would really appretiate some help and advice regarding my claim.

 

Looking through previous statements

I now realise the cost of an overdraft I originally had on my free account increased to almost 400% when I was switched to the Package Account.

 

 

I originally sent a letter to Barclays outlining my fee charges plus interest.

I now believe these increased fees helped my account become unmanageable when I became temporarily unemployed.

 

 

Needless say I received a CCJ with costs.

I am happy to say that all that has passed now but can I include this within my claim

 

 

if so how do I gauge the cost of all that?

Any help and advice will be greatly received

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shouldn't have od's were free upto a certain figure?

that's was part of the package free OD to say £500?

which is how they fleeced people into signing up to it, hiding all the useless insurances.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hello dx100uk

 

I only paid interest on my authorised overdraft on my free account when my account went overdrawn. It wasn't very much. However, when my account was switched to a package account the charge for the Additions account was considerably higher. It was only a secondary account and had it of been my main account I would have probably realised much earlier about the "Fee" levied against the account instead of the interest. Of course these fees increased on what seems a yearly basis

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