Jump to content


  • Tweets

  • Posts

    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

Barclays Overdraft Fees - Reclaim help required


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

Thread Locked

because no one has posted on it for the last 1715 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

Hi, 

 

What description do i use for the figure i've carried from the CI sheet? (initially suggested post 2014 but this is when the bank announced they changed the interest and fee structure however no interest was actually charged after 21/03/2013 so hopefully i have completed the sheet correctly).

Also under the 'Award Calculation' - is there a more apt term than Monthly PPI Payment I should be using? It's just going to be one amount so am i ok to change it to Total Payment of 'PPI' perhaps?

 

image.png.433882797d4ad7809d5bc3a7cd536bef.png

Link to post
Share on other sites

total from previous sheet

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

Last question... (or probably not!!) regarding the bank charges i have them on a spready but do i include interest or do i just mention these charges on a letter? If i do include interest at what rate? 

 

Thank you as always 

Link to post
Share on other sites

  • 2 weeks later...

Hi 

Would you be able to check the letter to accompany the overdraft PPI charge claims, I have adapted it as i think best but as it's not a common one im hoping i haven't done too bad a job. Onto the FOS Questionnaire next, i'm just hoping ive completed the spreadsheets correctly :-(....

Thanks 

 

Barclays

Complaints Department/PPI

Privacy & Data Protection

General Data Protection Regulation

(GDPR) Team

Leicester

LE87 2BB

 

30th April 2019

Dear Sir/Madam,

Ref: xxxxxxx

I believe I have been mis-sold a payment protection insurance policy associated with my bank account and would like to request a full refund of my premiums, plus interest paid.

I took out an Overdraft sometime after the account was opened, which over the years has had PPI added to the account (Overdraft Interest/Overdraft Protection/Payment Protection and finally Overdraft PPI).The total amount plus interest is £ 10925.97.

I believe this was added to my account without my knowledge, I certainly have no recollection of requesting this being added to my account – it would never have been suitable for my needs as I have always worked for an employer who paid full company sick pay, had this been checked by a member of your team at any point, which they are under obligation to do – they would have realised that a PPI policy was useless to me. The last few years I have been through a period of ill health (most recently treatment for Cancer) and did not spot the name change from payment protection to PPI hence me making the claim now.


Insurers are under an obligation to ensure that the policy they are selling is appropriate to that customer and clearly, as my employment situation renders a PPI policy meaningless, you have not fulfilled this requirement.

I am requesting a full refund of all my insurance payments, plus interest, which total £10925.97.

If I do not receive a favourable response from you, I will pursue this claim through the Financial Ombudsman.

Yours sincerely


[Your signature]

 

  • Like 1
Link to post
Share on other sites

sure that the right address?

the letter is std across the board.

 

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

Quote

 

Hi dx100uk, 

 

Thank you for getting back to me, the SAR went to a Freepost address and all the info that came back had no address just a contact number so thats one i found on here?? Do you think its not right? 

 

Regarding the letter - the standard template didn't seem to fit for overdraft PPI so i adapted it slightly. Is it no good? 

 

Beginning to worry about the spreadsheets now :-( 

 

Thank you as always 

Link to post
Share on other sites

the letter is ok - just an adaption of our std template.

spreadsheets are ok

the reclaim should goto their registered office which is probably in our stickies of the Barclay forum or from the fca register not a data protection address

 

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

ok fab thank you, there is a Knutsford address which might be a better bet. 

 

With regards to the penalty charges if i mention them in each claim as per your valuable advice in post #46 should i also enclose a spreadsheet/fos questionnaire or will the extra wording cover it do you think? The penalty charges total £894 plus £839.52 interest. 

 

Not long to go now :-) 

 

Really can't thank you enough for all your help 

Link to post
Share on other sites

Hi HC,

 

Knutsford is the Data Team address I think so don't use this.

 

Send to this address from the Sticky Thread at the top of the Barclays forum :-

 

 

BARCLAYS BANK PLC

1 CHURCHILL PLACE

LONDON

E14 5HP

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

dx100uk or Slick132 - if either of you are around in the morning could you have a look at my Q re the penalty charges and let me know what you think please? Everything else is ready to go im just not sure whether i need to do the spready/ FOSQ. 

 

Also a quick Q regarding the PAF's I completed the spreadsheet using the CISheet - with the 8% simple interest, but i've seen a thread tonight advising them to use 24.9% and then they'd make a court claim for compound interest in restitution. Have i used the wrong sheet here initially? 

 

Thank you - H 

Link to post
Share on other sites

stick to post 46 .

a bank account does charge interst so no you cant charge int other than 8% stat on PAF's

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

Just want to say thank you for all your help and advice, the claims are going off today!!! finally! 

I have had a response from Santander regarding another one now so i guess the work starts all over lol - but thank you so much. Fingers crossed we get somewhere! :-)

Link to post
Share on other sites

  • 4 weeks later...

Okay so we have had a response to PPI claim which is the standard 'we are dealing with your complaint - fingers crossed they deal with it in the right way!  

 

I need some help/advice with a response we have had to the PAF claim however if someone is able to advise? I have scanned and uploaded (hopefully its ok as its the first time ive done so) a copy of the edited letter showing what we sent to them and their reply etc.  I don't want to reply with the wrong wording - of course i know that my friend knows what actually happened but a lot of it is so long ago it's difficult to be precise. 

 

Any advise would be very much appreciated now we are at this stage :-) 

Barclays PAF Response.pdf

Link to post
Share on other sites

 I would think he can answer those quite confidently do you.

I will guess they told him in branch [was he called in by them or asked for a greater OD?]

 

that he could have or didn't tell him he could have two accounts I bet!

 

the rest is easy.

 

but by letter only!

 

 

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

  • 1 month later...

Hi dx100uk, 

We received a response regarding the PAF - they have denied the claim.

 

I am rather annoyed because I suspect they have no actual evidence that my friend agreed to the Additions account at all, she maintains she didn't and coincidentally the only change she made at that time is to change her name when she married.

 

The Tech Pack Fees claim is still awaiting an outcome but i can't see them paying out on that either!

I have attached the response they sent

- i wondered if someone would be kind enough to read and offer an opinion as to whether we can go anywhere with it?

Or have we just got to admit defeat? 

 

Claim value was just under £5k...

 

Thank you in advance x

Barclays Response 13.07.2019 (2).pdf

Link to post
Share on other sites

 

.urm..don't like that at all.

 

so why wrre you called into the branch then?

he keeps saying WHY did you select this account as you already had an OD

well you were told you had to come into the branch

and as he quite nicely says THIS WAS THE OBLY ACCOUNT AVAILBLE to you.

so you were forced to take the extras 'just' to continue to have an overdraft..

 

how dos he know wHAT was told to you in a private in branch meeting, the advisor got a nice backhander for selling it too!!

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

So - (Ive done this on behalf of my best friend)

 

She opened the account when she left school and started with a basic account as we all do.

Then she was  given the basic fee free overdraft, but at some point without her knowledge the account was upgraded to the Additions account.

 

It was only when we were looking at the  PPI claim that we realised what she had been charged for all these years,

to explain - she knew she was paying a fee but thought this was what you had to pay for the overdraft as thats what she'd been told in branch when she'd been in to query a monthly charge.

 

She was actually told that she needed this account in order to get the overdraft, and was also advised it was the right account for her. (these are the reasons she went into branch) 

 

The letter also says 'Barclays Tech pack' not complained about - yet we have complained about this!

 

They dont seem to know what they are doing.

 

I'm just annoyed because if they had evidence of her signing something then surely they would have sent that but they haven't..

 

Is that something worth asking for maybe?

Or have they washed their hands?

 

I really appreciate your help :-) 

Link to post
Share on other sites

what does the comms log say for the times when she supposedly switched accounts

they cant make any decisions without data that proves their theory....

 

 

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

should be something with operator notes of actions on the a/c?

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...