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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
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    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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JackG - V- Barclays Bank


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Hi everyone- hope I am in correct place to start new thread for Barclays as I am just about to post my 1st letter to them asking for statements for last 6 years so I can work out how much they owe me.

 

I will keep all of you posted about my progress and I am just about to start reading all other threads for barclays to get some little tips etc.

 

 

bye for now

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Hi again, well posted letter to Barclays requesting last 6 years statements and £10.00 fee, hope to hear from them soon, this is really nerve racking, been reading threads again tonight and some sound hopeful but some sound daunting, hope mines easy going

will keep you all posted, good luck to others who are in process of getting charges back

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received letter back with cheque £10.00 saying that will sort through records and post all my statements out to me, also included was a letter meant for another customer of theirs with his postal order too!. have written to Barclays advising them of their error and have sent letter and postal order back to the customer adiving him of how I cam to receive HIS letter and postal order, So much for data protection!!!!!!!!!!

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  • 4 weeks later...

Have written to Barclays 22nd Jan asking for copy statements and not heard back yet, is it 40 working days or 40 calendar days pls?? so am reading through as much info as I can. Most of it I understand however, unfortunately, I cannot get my head around Basic Court Bundle (in case I get that far). What details do I leave out (some threads say only leave in material relevant to me!) well, on reading it none of the material in it is relevant to me, also do I create a 1st new page for my details o go on, can anyone send me an example to look at so I don't get it wrong. Am absolutely petrified at this moment in time as 40 days drawing near and no word from Barclays except to say that will be sending my info out in due course!!

 

Please help me, feel like a fish out of water!!

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alright mate , don't worry about anything .we were all in the same boat as you remember.

ok wait for your statements then highlight all your charges , paid referrals , unauthorised overdraft etc.

you then have to transfer them on to a spreadsheet which you will find in vampiress thread.

just follow the instructions on this site , if you get stuck on anything just ask no matter how stupid it sounds , someone will answer honest.

i'll try and post you a few links to help you out.

good luck.:)

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Thanks a lot dickeggsy

 

Just finished reading that incredible story from Nightstar, really inspirational, so thanks for link to it. My 40 days is up March 3rd by that time shd have received all statements hopefully, but feel I should have had them before now, most other threads I've read seem to get them very early on. Am finding all these threads quite confusing, you can go from one to other really quickly and then get lost in them.

 

Will have to read up some more and hope it starts to sink in

 

Good luck to you all out there anyway!

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To Nightstar - thanks a lot truly inspirational from start to finish!!!!!!

 

Came home today to receive all 6 years worth of statements from Barclays (thought they would never come) waded thru' them with huby and found total £840 worth of charges - doesn't seem much - but hey - all ours!!!. Going to do spreadsheet now and send off with relevant letters - thanks to you all for encouragement so far

 

 

will keep you all posted!!!!!!!!!!!

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Well, latest update is that I have received all statements as I requested and have totalled £840.00 charges. I know there is a spread sheet some where on this site but can't find it, can anyone direct me to it, would be much appreciated. I think (reading other threads) that I don't chare interest at this stage............. is this right? and I know there is a letter to send with it but can't seem to find this either..........

 

Do I print these off and send them recorded delivery to Barclays (same address as initial letter requesting statements).. please advise if any can

 

Well, here goes another claim in the offing, just one of many on their list no doubt..............

 

Just read crashbandicoot thread which was again, most encouraging.......

 

thanks a lot for all support so far!!!!!!!

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Spreadsheets

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=4

 

Letter

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

 

Yes send all correspondence via recorded delivery or through banks internal mail but get a receipt fron who ever accepts it.

 

Legal dept at Churchill Place London is where they end up.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Do I paste in first column "Unauthorised Overdraft Fee" or "Paid referral" as they are stated on my statements or do I give them another name.......? could someone pls advise?, really don't want to get anything wrong at this stage, just on this spreadsheet items are called "cleared transaction" & "unpaid DD charge"" etc, I have never had any of those, my charges are named as above in 1st sentence.

 

Do I also use Simple spreadsheet first and remove 8% interest column

thanks a lot for advice............. (total novice here)

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Hi Jack ,

Just dropped in on this one -

 

Put on the spreadsheet decription exactly what it said on your bank statement i.e 'Paid Referral' or 'Unauthorised Overdraft Fee' - just what they say it's for - that way you can't be wrong or they can't mistake what you mean.

 

Best of Luck!

John

 

Sorry, I forgot the second question - only print the bit without the 8% interest until you start court action, if it goes that far

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Cheers, thanks a lot for that one. Just when I think it all sinks in, I look at something new and forget what I shd be doing.......... any way am printing off copy of spreadsheet now just used simple on in Excel with detail, amount charged and date charge applied so I think thats ok, just need to find that letter Dar3N posted to me earlier ................

 

Well here goes...................

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Hi, In the "request for charges letter" it says

 

What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

 

how do I calculate "plus £XXXX which you have charged me in overdraft interest for the sum" I can't see any of those charges on my statements as I got back into credit imm the charge went on.....can any one advise of this pls?????????

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That's the way to do it, Jack , just take it one step at a time,

 

Send the letter Dar3N gave you the link to, and attach your spreadsheet, send it recorded delivery and sit back and wait for 14 days(no longer!) then send off the LBA (Letter Before Action), with another copy of the spreadsheet attached.

 

Above all, don't worry, you'll get there, stick with it!icon14.gif

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Thanks a lot you two for your replies, as you can see, gave up then and went to bed. You make it sound all so easy, so will do as you say and get this posted Thursday and keep fingers crossed, take it it's 14 actual days and not 14 working days so shd hear something pretty soon,

 

Has anyone settled at this stage, or has it carried on until date set to go to Court with everyone?? If anyone knows, please reply.

 

 

thanks again, will keep you all informed!!!!

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