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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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Barclays Overdraft Fees - Reclaim help required


happycaravan
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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

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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... 

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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 

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  • 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]

 

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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... 

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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 

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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... 

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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 

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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

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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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 

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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... 

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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! :-)

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  • 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

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 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... 

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  • 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

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.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... 

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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 :-) 

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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... 

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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... 

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