Jump to content


  • Tweets

  • Posts

    • It is an interesting Final Notice. Firstly because there is usually a reminder Notice before the final Notice. Secondly because it contains some of the wording that should be in the original PCN [aka Notice to keeper]. It could be that the necessary wording in the NTK is missing so they put it in the Reminder Notice to cover their error. If they have it hasn't worked. But the only wat we will know if you post up the back page of the Notice to keeper along with the other details asked for on Post 8 .  If they have got it wrong it means that they are unable to transfer the liability to pay the PCN from the driver to the keeper . I take it that you are the keeper and not the hirer? And do you know how long you are supposed to stay in that car park? In the past I have found Sainsbury's pretty good at cancelling PCNs for their customers. Take both PCNs in to the store and point out if you are a regular customer and that the driver spent a lot of money in their store and see if they could please do something with the ticket for you. if the manager can't help, then come back and we will give you their Head office and write to them. It is the easiest and quickest way to get the ticket cancelled. No point in appealing since that would mean they lose the chance to make any money out of you which is their whole reason for running the car park. If you cannot get Sainsbury to cancel then we rely on ECP getting things wrong so that you don't have to pay  on a technicality or technicalities. For example if the PCN does not comply with the Act and the keeper is not then liable it makes it difficult for ECP to win should it go to court as so many people are legally able to drive your car and Courts do not accept that the driver and the keeper are the same person. Which is why we do need to see the questionnaire filled in and the rest of the NTK. Also it would be helpful to get photos of the signs in the car park. Ones that can be read by us, and the sign at the entrance as well as the inside ones especially those that are worded differently. Poor signage is another defence that works well and you will  need a good defence should they decide to go to Court.
    • Thanks for answer ref address/bank. Thought it wise to double-check.   When I reply to them as per post #5, what should my reason for dispute be?   " dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation."
    • Alternative is to access the video yourself, upload to YouTube or similar and link back here.  Video will be accessible once you input your details into Wandsworth website: https://parking.wandsworth.gov.uk/pcn  
    • Yeah only £10 so may as well just get it done. When it comes to liaising with the police and bargaining before it hopefully goes to court. How does that happen? Via email? Phone call etc
  • 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 - paid off March 2012 - sold to Link 2016 - threatened with solicitors 2017 ?


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

Thread Locked

because no one has posted on it for the last 2451 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

well you've been here two years and should know better not blindly offer money..

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

  • Replies 81
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Thanks for pointing that out,

 

Yes I was panicked I wanted my credit file finally clear - new slate and all that as I was thinking of moving house or even renewing my mortgage deal I currently have .... they refused it anyway, but the question would be does that constitute as sufficient contact to re start the clock ?

Link to post
Share on other sites

could do, but only relevant should they try court after what could have been the original SB date that your letter might have reset...

 

 

not going anywhere with no enforceable paperwork mind...:wink:

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

are we???

the defaulted date might be that

but the SB date is something totally unrelated.....

 

 

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

Are you saying that I would have to pay them off if I want mt credit file repaired any time soon ?

 

That is the conclusion I originally came to, hence the letter to them but they refused - even though they probably brought the debt for a small amount

Link to post
Share on other sites

never ever said anything will repair your file...

read your thread..the default is there for 6yrs no matter WHAT you do.

 

 

and again

Pay them..why?

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

Go complete a CISheet and see if those charges make any kind if dent in the alleged balance.

Takes an hour or so to complete but could pop up a surprising result.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

it will disappear on the 6th anniversary of first being in default (FEB 2012) which is feb 2018,

I guess it will appear in the closed accounts section of my credit report ?

 

"and again

Pay them..why?"

 

I wanted to get this done and dealt with so I could start repairing my credit file,

in the hope that it repairs quick enough for me to be able to get a new mortgage.

 

 

It will be next year before I think of moving house but I am preparing for it now....

 

What would be your suggestion on how to handle this please ?

 

Please also can you tell me where to find "CISheet"

Link to post
Share on other sites

no its not closed, its defaulted and expired IT WILL VANISH.

 

paying DOES NOT IMPROVE YOUR CREDIT FILE.

the debt is defaulted, end off whatever you do cant change that and its effect.

 

you can't 'repair' your file, urban myth portrayed by these stupid companies and card providers.

 

if you have no current running 'credit' of any sort to prove you can pay on time

then a line of running credit would be advantageous.

 

plenty of Barclaycard reclaiming threads to read here

and also you might find one if you click martins username...:wink:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

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

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011&p=4273920#post4273920

 

CISheet is in link above, list each charge oldest first, enter date , tyoe if charge and amount.

Use the interest rate they charged you, or an average if it changed over time. The sheet then does the rest for you.

Post it to thread once completed minus any personal info

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

Thanks guys, just starting to go through the statements, but unfortunately they only start from April 2008 - I will fill the form out with the info I have but at that point the card was already up to £5500 !

 

Just a little confused what interest rate they used as at the bottom of each statement it states :-

 

Cash interest charged at 1.736% per month

 

Merchandise interest rate charged at 1.313% per month

Link to post
Share on other sites

we usually use 24.9% is it martin??

we know they cough at that.

 

 

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

24.9% is the rate for BC as they use this rate for the "initial" card

 

You will need to read sempra metals v hmrc to understand why you should claim interest in restitution.

 

Doesnt matter what the balance was, all that matters for the purposes of this, is does the CISheet provide an amount which will knock a big dent in what they say you owe.

 

You can include default removal in the PoC of any later claim you may make.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

Hello Guys,

 

I have added the amounts as per each statement I have from April 2008 till the last statement they provided (showing transactions) October 2009. I suspect there are a lot more charges added prior April 2008 ....

Barc.pdf

Link to post
Share on other sites

you cant reclaim cash advance

its not a penalty fee

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

You cant reclaim the cash advance charges, they are legit.

 

You may need to SAR BC to get all the statements from day 1 but as you can already see, it may be the case that they owe you at the end of the day and alot more than they say you owe them!!

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

Hi Sween,

 

You can only claim - late charges; overlimit charges; unpaid dd fee.

 

Use 24.9% compound on these fees and just let us know the results look.

 

:-)

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

Sorry more readable version attached :-

 

Erm I have SAR Barclaycard and this is where I am getting this info from,

but I SAR them in 2014 and they sent info back as far as 2008,

do you think they would keep infomation back as far as 2001 ?

and if so why didn't they send it me in 2014

Barc1.pdf

Link to post
Share on other sites

Hi SS,

 

We've know the banks keep data way longer than the 6 years they admit to.

 

In the past, folk have threatened BC with the ICO for failing to provide data that we KNOW they hold; they have also taken court action to force disclosure and BC have complied.

 

The question is, Do you think data prior to 2008 would disclose a few; several; or many default charges.

 

Reclaiming older charges using compound interest can make a large dent in a/c balances when using compound 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

Hi Slick,

 

Many thanks I will SAR them again using the standard template from the CAG library, I have also looked at the tips that Dx has provided and will follow the suggestions.

 

If they do not provide me with all the info I need I may have to "threatened BC with the ICOicon" as suggested.

 

I will update you when I get an update, Many thanks.

Link to post
Share on other sites

  • 1 month later...

Good Evening all,

 

Despite me requesting Link to send a copy of the original credit agreement I haven't received one yet, but they did say it would take some time as they have to request the info from Barclay card..

 

I did SAR Barclay card, they sent me a letter back acknowledging my request but asking me to be more specific about what information I was looking for (think they are messing me around), Maybe they did not read the bit that stated "all information", I will have to send another letter to them now, any suggestions ?

Link to post
Share on other sites

just put that this is for your own financial records.

 

 

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

Good evening all,

 

I received a letter from Link today :-

 

We write further to you in relation to your request for account documentation under section 77/78 of the consumer credit act 1974.

 

 

The original creditor has confirmed that they are unable to fulfil the section 77/78 request.

 

Although the account is currently unenforceable the outstanding balance remains collectable and it is acceptable for creditors to register and continue the reporting of a default.

We have enclosed a copy of the response provided by Barclaycard.

 

If we can be of any further assistance to you, or if you have any questions or queries in relation to this letter please feel free to contact me directly on xxx x xxx xxxx

Link to post
Share on other sites

HAHAHA link trying to spoof people again

how unusual.

 

 

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...