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    • Good luck today, TD. Please let us know how it goes. HB
    • That is different to my PCN issued by Highview. I am not by any means an expert so I would leave it to the experts to check what I say and maybe delete this if it is not helpful. My thoughts on this are In the PoC they state you are liable as Driver or Keeper. Firstly, I would challenge that .... are they pursuing you as Driver or as Keeper? They don't know who the driver is, as stated on the NTK and, they don't know if you didn't tell them, so I would think that they can not pursue you as the driver. The NTK is not fully compliant with POFA 2012 as LFI stated but specifically, and correct me if I am wrong, Section 9 [2][f] states that:   Section 9 (2) The notice MUST— (f) warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i) the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii) the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid;   All the applicable conditions under this Schedule (Schedule 4) are NOT met, specifically warning the keeper as in (f) .... As far as I can see, the creditor has NOT warned the keeper on the NTK, as they MUST do in accordance with S9 [2](f). So, as far as I can see that prohibits them from having the right to recover from the keeper.   I put it to you M'Lord, given the facts stated, the creditor does not have grounds to pursue the Driver, nor the Keeper!! 😂🤣😂 Maybe that's why you've not heard from the courts, what does it say on MCOL ?
    • at the time, if both owners signed a voluntary charge it can not be a restriction k.  but it looks like one? as above ..... if you re mortgage with the same lender is doesn't need paying if you re mortgage with a new lender then most probably you will have to settle it.
    • The move comes after Tesla reported a sharp fall in its deliveries in the first three months of 2024.View the full article
    • please dont post up unredated court docs!! done now... it looks like: you paid for then cancelled a PC from mac group ltd however the PC still got delivered but not to you. you got issued a court claim but totally ignored it. DCBL HCEO Bailiffs attempted to enforce the CCJ...they failed..you had moved. The Claimant was Granted Permission by the Court to Serve A Statutory Demand and latterly did so. you had attempted to set aside the Original CCJ but failed to attend it's hearing and it got struck out you subsequently have have received a statutory demand for the CCJ sum. you applied to set that aside there was a hearing on 18th Apr which you did not attend. ...............   not quite sure but i think thats the story. ............. same as your other thread.. stop worrying about the house.. you ought to deal with this at some point as if the claimant does go for and manage to you BK. it might not be good. have a think about things , it might pay you to look toward putting an N245 variation to the court and offer a very low £PCM to the court, esp if you have little to no income etc like on benefits/pensioner etc...you might even get it all done for free as there is a small charge for the N245 process.        
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    • 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.

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Barclays Irresponsible Lending - court claim raised

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Hey everyone, a while since I posted last!

I've brought a claim which was lodged in December 2023 against Barclays for irresponsible lending.

The claim is that the below loans were lent irresponsibly. 

November 2016 £19,000 (Loan 1)
November 2016 £22,700 (Loan 2)
June 2017 £24,500 (Loan 3)
May 2018 £23,500 (Loan 4)
December 2019 £15,000 (Loan 5)

Happy to post up the POC's and the Defence.

At this stage the case is awaiting allocation to a track. 

I am claiming an Unfair Relationship and the value of the claim is £4599.

The basis of the case is that no checks were carried out despite a number of loan applications within a short amount of time. Barclays were my main bank at the time, and at that time on the 3 preceding months on each occasion of borrowing I spent out more than I had in.

I served a Part 31.14 request for Disclosure on Barclays in January, they refused to comply and moreover in their response they stated that they wouldn't be providing evidence of how they reached their lending decisions as part of their defence as this is sensitive internal information.

Has anyone else brought this sort of claim for irresponsible lending in the Courts? 

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"


My advice is only my opinion, I am not a legal expert.



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  • dx100uk changed the title to Barclays Irresponsible Lending - court claim raised


Topic title amended.

if you are a claimant a CPR 31:14 is somewhat useless . thats for a defendant to sent you!

did you not send them an SAR first before your started all this?

and why did you not exhaust their complaints procedure first and then goto the FOS before you went nuclear?

if the FOS had agreed then you could have simply enforced their ruling using court form N332A and your pretty much guaranteed a 'win'

as it stands i can see you coming very unstuck here on several fronts

you should have asked here first before doing this.

the fact that barclays were your bank doesn't really mean anything.

if you were paying your existing debts and had no defaults or late payments on your credit file then i cant see barclays have done anything wrong sorry.

this is a really big jump from the advice on your last thread that you went dead on after 4 posts...

Around £33k Unsecured Debt Journey - Debt management and Debt self-help - Consumer Action Group

i cant see you having much success and i'm not sure where you read you might? certainly not on here.

it's a speculative claim and it might be better to discontinue the claim once a defence is filed or p'haps later when it gets to the hearing stage before you have to fork out more for the hearing fee and then probably lose and have to pay their costs as well.







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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