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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
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    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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Barclays Personal Loan


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Hi. Just after some thoughts.

 

My dad went to a Barclays branch in 2008 to take out a business loan

 

The branch staff member stated that he could not take out a business loan to start up his business

 

As an alternative, the staff member suggested just taking out a personal loan in my mums name as my dads credit file was terrible - despite him knowing it was for business purposes.

 

They went ahead with this advice.

 

My mum and dad have since split up and she's left with this loan amongst other debts he's left her with.

 

Obviously with it being a loan it's in her name only and she is liable for it.

 

She's in financial difficulty and I am trying everything I can do to sort everything out.

 

My main concern here is that the staff were happy with a personal loan being taken out for business purposes and stated 'just pretend it's for house renovations'. This was in fact their idea too.

 

Might not be anything, might be something, but during such a difficult time I'm not leaving any stone unturned.

 

 

Further information .....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?479077-Barclays-unknown-debts

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Was the debts not reviewed at the time of the split....either legally or amicably ?

 

How much is the loan for and what its age and term?

 

Regards

 

Andy

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Was the debts not reviewed at the time of the split....either legally or amicably ?

 

How much is the loan for and what its age and term?

 

Regards

 

Andy

 

I don't think she has a leg to stand on legally because the loan is in her name only. The loan is down to around the £4,500 mark but I'm unsure on the agreed term.

 

It's not something that can be resolved between them because when brought into discussion it's avoided. Because of various problems he's not able to contact her as he has been warned by the police. This has left me in the middle to pick up the pieces (yay).

 

Thanks

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Thanks ...just viewed your other thread in relation to the whole problem.

 

I would send a section 77 CCA request for starters and take a look at this dubious application to make sure all is in order.

 

Is this being paid direct or through PP ?

We could do with some help from you.

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Thanks ...just viewed your other thread in relation to the whole problem.

 

I would send a section 77 CCA request for starters and take a look at this dubious application to make sure all is in order.

 

Is this being paid direct or through PP ?

 

Thanks for viewing the other thread.

 

All debts are being paid through PP at this moment in time. I'm looking into writing up an SAR tonight. I'll take a look at a section 77 CCA in a moment.

 

Thanks

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But is PP paying BC or a DCA ?

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But is PP paying BC or a DCA ?

 

The one displaying 'LINK' is a DCA originally with BC.

 

The rest are displaying 'Barclays' so I can only assume they are still with BC/Barclays.

 

Thanks

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If Mums BC business loan is with link ..then the Section 77 goes to link assuming its been legally assigned to them...if they cant comply with the request I would consider stopping payments if they fail to respond to your request...as they usually cant....thats one less off the list.:wink:

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If Mums BC business loan is with link ..then the Section 77 goes to link assuming its been legally assigned to them...if they cant comply with the request I would consider stopping payments if they fail to respond to your request...as they usually cant....thats one less off the list.:wink:

 

It's a personal loan because they would not give my dad a business loan and made this suggestion to take out a personal loan in mums name.

 

Barclays suggested lying and say that the loan is being used to renovate the house despite their knowledge that it would be used for a business and not for personal purposes. Do you think we should log a complaint about this or would this be a waste of time?

 

As far as I know personal loans cannot be used for businesses and considering they gave this advice they're out of line imo.

 

Do you think this could be considered misselling?

 

Thanks

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Yes I know its a personal loan...but it was used as a business loan...but all thats irrelevant....see my last post

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Yes I know its a personal loan...but it was used as a business loan...but all thats irrelevant....see my last post

 

I see. The personal loan is still with Barclays at the moment.

 

The LINK debt is for a Barclaycard but on that note I could proceed with a section 78 CCA for that one couldn't I?

 

In relation to the loan which is still with Barclays, should I not pursue a complaint in relation to the whole personal/business fiasco?

 

I've got quite a bit of work to do on this mess so I don't want to waste any efforts if I don't need to.

 

Thanks

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I see. The personal loan is still with Barclays at the moment. Excellent so a section 77 to BC

The LINK debt is for a Barclaycard but on that note I could proceed with a section 78 CCA for that one couldn't I? If its a credit card yes...send to Link

 

In relation to the loan which is still with Barclays, should I not pursue a complaint in relation to the whole personal/business fiasco? No need to a section 77 request cuts all that out..they either comply or dont...if they cant ..no pay.

 

I've got quite a bit of work to do on this mess so I don't want to waste any efforts if I don't need to.Well it takes time to sort out so you will need patience and is worthwhile if you can ease the problems for Mum.

Thanks

 

Andy

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Hi LH,

 

It'll help us if you only discuss one topic per thread.

 

Let us know which thread is about a BC a/c and we'll move it to the BC forum.

 

Also if you were charged penalties on the BC or a Barclays Loan a/c, you can look to reclaim the penalties PLUS compound interest at a nominal rate (19.9% or 24.9%) have both succeeded here, as well as 29.9%. But you will need to take court action to recover this, just like many have done in the past.

 

:-)

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