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    • depends what the fees are, typically nothing can be added once judgement is passed bar litigation costs. on document retention time limits etc at least 6yrs previous must be held though many hold complete info. as for acronyms and abbreviations ideally yes they should     
    • Still have to submit a statement either system....if they fail they can only give verbal because they failed to file and serve.
    • OP stated they had been arrested, but not charged (let alone convicted). They DON'T have a criminal record, but do have an entry on the PNC. That information stays on the PNC (Police National Computer) for life, but doesn't get released in a standard DBS. It only MIGHT get released for an Enhanced DBS (eDBS) check  ... but it would be incredibly unlikely. (The rational behind this is that eDBS's allow for 'information at Chief Officer of Police's discretion' ..... this covers the 2 'barring lists' and is also intended for the scenario where someone has multiple arrests or investigations, where safeguarding is a concern .... it was brought in after the Soham murders / Ian Huntley case, where the information known about the now-convicted child murderer may have prevented his employment in a school, had it been made available). So, for the sake of accuracy and completeness, arrests stay on the PNC for life, wont appear in a standard DBS, MIGHT appear in an eDBS, but in reality, would be the exception rather than the norm, and I can't see them being released  to a defense barrister. What then if the defence found out a different way, and brought it up in court?. Again, unlikely, but the important feature is that the judge would make sure they trod very carefully!. They MIGHT consider using it if there were other factors that allowed them to try to cast doubts as to the truthfulness of your evidence, but on its own : No way. Anyone MIGHT be arrested (if a seemingly plausible complaint been made against them)! The approach to take if it did come up is to be truthful. "Yes, I was arrested. It arose from a vexatious complaint. I wasn't charged, let alone convicted. That could happen to any one of us, if a vexatious complaint gets made" Far better that than lying, saying you'd never been arrested, and getting caught in a lie : that would ruin your credibility. I'm incredibly doubtful it will even come up, though.
    • we dont get N157 because its new OCMC but no court dont have evidence either.   Just seems a bit of a pointless wait but oh well
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      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.

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Barclaycard PPI since at least 1991


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Hello , I'm new here and I was looking for some guidance.

 

I have had a Barclaycard since the early 1990s ,

indeed i believe probably before 1988.

 

I took this out following a meeting with an advisor at barclays.

I was told protection was compulsory and that I needed it to protect myself from any problems with the goods I was buying etc .

I did not need it for any other reason as I had excellent cover from my employment for sickness etc .

 

I was young and naive and was led to believe it would be a condition of me getting the card .

I have had this protection on thus card ever since .

 

I have always been in debt to them ever since ,except for a 2 year period when the card was dormant and paid off and until then the average I owed I would say was aleast £6000. This may be a conservative estimate .

 

I have been very foolish with money all my life but I have never defaulted on the card or made late payments.

I recently was told that the cover was PPI and strongly believe I was missold

 

I have written to them make a complaint and am waiting for their decision.

i have asked them to cancel the ppi as it is not the cover i thought it was and i was not asked if this was required .

 

my query is that BC have told me it may take more than the requisite time to deal with the claim.

is this normal?

 

also if this is upheld how do they calculate any redress?

 

I suffer with depression and anxiety and would appreciate any help many thanks

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I would be sending them an sar and getting all the statements.

 

then you'll have all the info to properly calculate what you redress should be.

 

don't trust Barclaycard an inch.

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... 

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Thank you DX.

 

Yes if the complaint is upheld I think I will ask for all the statements good idea!

 

even if they dont have all of them for the last 30 years I assume they will show me the ones they have used to calculate the redress.

 

I know I will be entitled to statutory interest but dont know if account interest will be included.

 

I am a bit worried when they said it might take them longer than usual :???:

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nope you sar regardless

its a card, each monthly PPI payment would have been subjected to compounded interest at their card rate going forward.

 

use our search CAG box top red toolbar

 

Barclaycard PPI

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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Share on other sites

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