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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        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.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, 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.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the 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 “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 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.   4.4        I also do not believe the claimant possesses these documents.   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 parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    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.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  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.  7.5 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 practice 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.”  7.6 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 recoverabl15e 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...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        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.   7.9        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.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
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      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.

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Mercers Debt Collection


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Guest dwheeler
Thats fine but what you all seem to be forgeting is that my credit rating and my credit score is perfect so while you may be laughing now its me who will have the last laugh when you cant get credit !!!!

 

Mr.Ton you still havent answered my question if you were owed thousands and thousands of pounds would accept £1.00 per month

 

or lets say an insurance company owes you a payout, would you like that to be paid at £1.00 per month ??

 

you all seem to hate our tatics but you all refuse to answer my question!!!

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Guest dwheeler
Put simply Dwheeler, All your talk means nothing if barclayshark can't produce an agreement. That though does not stop sad brainwashed individuals like you from thinking they are in the right.. Barclayshark should abide by the LAW if they want the rest of us to.

 

well if you didnt have an agreement why use the card?? if you bought a new car without seeing the paperwork would you drive it away!!!

 

You knew the interest rates when you took the card out and now your having difficulties you are looking for every possible way to avoid paying, seems to me if you had took the time to learn about the card before you used it you may not be in this situation in the first place

 

and also your told every month of the interest rates on the front of your statement !!!

 

Barclaycard are up front with all fees and interest, take a look at this link and you would have got full T&C's and Credit Agreement along with your card!!!!

 

Barclaycard Platinum Credit Card with Balance Transfer

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Guest dwheeler
i think you should ask your bosses about Welcome finance and Cattles Group and then ask about your shares, ooops, did you lends a few hundred million when you shouldnt have

 

trust me, your shares will start to look sick soon when the full extent of welcomes books gets released,

 

oh and do you know what securitisation is yet?

 

id like an answer to my post if you'd be so kind

 

You were sent links in a previous message, try reading them !!!

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well if you didnt have an agreement why use the card?? if you bought a new car without seeing the paperwork would you drive it away!!! YES, I did, from Carcraft :mad:

 

You knew the interest rates when you took the card out and now your having difficulties you are looking for every possible way to avoid paying, seems to me if you had took the time to learn about the card before you used it you may not be in this situation in the first place I could afford my cards at the agreed rates I took them out on but 4.9% for life to 39.9% variable, too much for any man:eek:

 

and also your told every month of the interest rates on the front of your statement !!! 2.095% per month on some of my statements means f*** all to me:rolleyes:

 

Barclaycard are up front with all fees and interest, take a look at this link and you would have got full T&C's and Credit Agreement along with your card!!!! But the T&C's have changed so much in the last 15 years, some OC's are finding it difficult to keep up:mad:

:confused:

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Thats fine but what you all seem to be forgeting is that my credit rating and my credit score is perfect so while you may be laughing now its me who will have the last laugh when you cant get credit !!!!

 

:lol:

You know something...my credit rating has been minus 1 squillion since about the mid 90s now & it hasnt made a blind bit of difference in terms of weather i do or dont get approved for things & my ability to move on/get by in life etc...

Ive been approved & not approved for many things in that time since.

It all boils down to the company in question as to weather they give you the credit or not.

The moral of that story is...credit files arent worth the paper they are printed on & CRA's are not fit for purpose basically.

Anyway..what makes you think i want credit ever again?

Are you suggesting people cannot live their lives without getting some of credit?

If never got credit ever again it wouldnt be a day too soon - its one of the reasons why this country is in the mess it is.;)

Oh & guess what...the likes of me is having the last laugh as your industry collpases down around you :)

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The banks have demonstrated, conclusively, that you can only push the banking fairy story so far.

 

Go past that limit and the banking bubble goes pop and every bank becomes insolvent, as is the case right now.

 

No amount of emergency injections of invisible fairy story cash will ever fix it.

 

Why?

 

Because people have stopped believing.

 

People will soon reduce their need for Credit. Many won't be able to get it anyway, most will deliberately reduce their need for it, and a significant and growing minority will be seeking to completely avoid it for the first time in perhaps hundreds of years.

 

Soon the banks won't be able to give away their nasty Credit.

 

Indeed, let's stop giving it a nice name, as it is not Credit, it is Debt.

 

Soon the banks won't be able to give away their nasty Debt.

 

The Debt-based Economic model is bankrupt. In any event, it was always geared to benefit the banks and the leech like Corporations that surround them. It has never been a sensible way to run a National, let alone a Global Economy.

 

A busy economy servicing ever growing mountains of Debt is not a strong economy...it just looks like that until the first wheel comes off.

 

We have a long way to fall yet, because the banking mess is so huge. The measures the Governments are employing to try and prop it up are just desperation to try and avoid the real fall out that has yet to really get going.

 

Indeed, there is a very real chance that this was all engineered by the Central Banks in any event, because a good long, deep, and painful Recession is the very best way for the banks and Corporations to hoover up Assets from failed businesses and bankrupt Consumers. The so called economic cycle was never anything other than a banking cycle, one the banks controlled either by design or stupidity. Either way, they never cared, because they always win in a Recession.

 

But, with any luck, they've made such a monumental mess of it this time, that by the time we come out of this, we may be able to re-build our Economy in such a way that ever increasing levels of Debt is no longer the driving force behind everything.

 

Maybe if people thought more about how to repay credit cards if they lost their job and didnt spend now and worry later they wouldnt need your advice!!!!!
All being well, we'll soon see the end of Credit Cards and simplistic advice like this. That's once people start to realise Credit Cards and bankers that tout them are all part of the problem.

 

Once Debt is removed as the driving force in the Economy, people won't need to get into Debt simply to buy what they want and actually need.

 

This is the point that people are perhaps just starting to realise. Take away the disease called Debt, and suddenly it becomes clear that you do not need to get into Debt every time you need something:

 

(1) Go out for a Monthly Meal and Pay Cash and/or use a Debit Card...don't use a Credit Card, or you'll end up Paying for that Meal for many months thereafter at 16%-35%. With the money you saved on the above Meals, you'll have a little extra over the Year ahead...

 

(2) With what you saved above, you can Pay Cash for that Kettle you wanted...instead of using a Credit Card. Also, because you are Paying hard-earned and hard-saved Cash, you'll be damned careful about the quality of the Kettle. No longer will you buy any old Chinese rubbish just because it's Purple and looked good on TV. You'll do your homework, and will ensure the Kettle you Buy is quality and will last for maybe 25 years. Because you buy with Cash, you won't end up dragging out and inflating the Kettle price via Credit Card Payments. Once Debt is removed as the driving force, you will no longer be forced to buy cheap nasty Kettles that have to be bought every 2 Years on your Credit Card. That being all that you could afford despite the amazing availability of Debt being offered to you.

 

(3) With what you saved on the cheap nasty Kettles bought on Credit Cards, you can Buy a Quality Fridge, i.e. instead of buying cheap Chinese Fridges every 5 years on your Credit Card. That Quality Fridge will last you 25 Years and, like the above Kettle, you'll pay Cash and will therefore make damned sure the Fridge is top quality for your money because it must last 25 years. Once bought, that is it, no on-going Debt to service.

 

(4) With what you saved on the 12+ Kettles and 5 cheap Fridges over the 25 Years, you'll have a more effective budget to build that extension on your Home...without needing to borrow!

 

...you may see where this is all heading!

 

Once you stop believing in Debt, you start to realise that you don't actually need to put up with it. At least not the ever inflating Debt that the bankers have tried to convince us is so necessary to our very survival.

 

It isn't. It's a wicked and devious lie. The sooner people wake up to just how wicked and devious the lie is, they will want something better, something much, much better.

 

However, this all starts by not feeding the blurdy Troll!

 

Cheers,

BRW

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You were sent links in a previous message, try reading them !!!

yeah, i have done, sadly however they were about as much use as kick in the ball hooks as they did not address the issue of securitisation, securitisation means that the debt no longer appears (in most cases) on your balance sheet, so if its not on your balance sheet, you cant sue as i dont owe you sod all, zero, zilch, its the SPV who actually owns the debt or the benefit of that debt, so i suggest you go take a break and consider that point, if you need assistance ask your friends at churchil place

 

oh and with respect to credit rating??

 

i do like it when the lenders do silly things such as defaming a clients credit file, as the damages run around 8k currently, see Durkin and DSG Retail & HFC Bank so my clients end up with a clean credit record, but they also get a nice sum of damages toooooo

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Ooooohh isnt the troll wonderful...."i have this", "i have that".....think you'll find no-one really gives a damn what you do or dont have..so im not sure what you trying to prove exactly by telling everyone what a wonderful existance you have? :rolleyes:

As for your question...

If i was owed all sorts - it would be for the county courts to decide how much i was repaid...weather that be £1 per month or any other amount.

Weather i was happy with it or not is irrelevant.

I certainly could not take the law into my own hands - i would have to abide by what the county court says ;)

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Thats fine but what you all seem to be forgeting is that my credit rating and my credit score is perfect so while you may be laughing now its me who will have the last laugh when you cant get credit !!!!

 

And you wonder why people aren't willing to speak to Barclaycard about their debt problems when they employ kind and sympathetic souls like you? :lol:

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yeah, i have done, sadly however they were about as much use as kick in the ball hooks as they did not address the issue of securitisation, securitisation means that the debt no longer appears (in most cases) on your balance sheet, so if its not on your balance sheet, you cant sue as i dont owe you sod all, zero, zilch, its the SPV who actually owns the debt or the benefit of that debt, so i suggest you go take a break and consider that point, if you need assistance ask your friends at churchil place

 

oh and with respect to credit rating??

 

i do like it when the lenders do silly things such as defaming a clients credit file, as the damages run around 8k currently, see Durkin and DSG Retail & HFC Bank so my clients end up with a clean credit record, but they also get a nice sum of damages toooooo

 

Go sock it to him PT !

 

Absolutely luvvin it!

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Hi dwheeler,

 

Here is the answer to your question - and you know that answer already.

 

I cannot do anything to the people who owe me money apart from asking them nicely for it. I do not have a facility to dial them every five minutes (or even five times a day) and harass them. I don't have a group of 500 people who can chase them up every day, and tell them to borrow the money from someone else - as Calders did to me, despite the fact that this conduct is against OFT guidelines.

 

You seem to be completely ignoring my previous post. When I, and probably most other people here, took out our credit cards we were confident that we could afford the repayments, so we haven't all been splashing the cash, or being profligate with barclaycard's money - just living. However, so many cards have increased their rates of interest from say, 5.9% to over 20+% in under two years, how can you expect people to deal with that increase? How can anyone budget with such enormous increases? Yes, it is in the small print that the card companies are able to vary the interest rate, and everything else, but most people don't actually understand how large these increases are likely to be. We are bombarded by letters offering us credit at low rates - of course a number of us are going to accept this invitation, never anticipating the huge rate increases.

 

I know a number of people - not on this site - who have no assets at all, they don't own their own home, are even living on benefits, yet they are given credit limits of up to £10,000. Is that responsible lending? The card companies have been so greedy for interest they have signed up as many people as they could, regardless of ability to pay, in order to get their mitts on the interest.

 

I don't understand why if you have been with Barclays for years, as you say, you haven't transferred to the staff-friendly rate!!!! You would be making such a saving there. Surely you aren't locked into your other lender for more than two years?

 

DD

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Guest dwheeler
:confused:

 

And you wonder why people aren't willing to speak to Barclaycard about their debt problems when they employ kind and sympathetic souls like you? :lol:

 

I was sympathetic and understanding until you lot turned on me, as one of your mates said in here "respect and co-operation is earned" well practise what you preach!!!

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Yes because you slag us off for our actions and yet our shares are among few banks to be increasing and we have not asked for any help.

 

I would be interested to know... if you were owed 5.3 Billion which is currecnty our impairment figure, would you accept £1.00 per month and how would you debt collect on this amount??

 

 

I dont know, but if you or John Varley want to start a new thread for your problem, Im sure there will be Caggers able to give advice for your own situation,

 

Best start your own thread as you're hijacking this one.

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well lets sort the wheat from the chaff

 

barclaycard dont employ bailiffs- too right- without a court order they can't!

 

the payment is below their guideline so they keep calling...

 

this is really good information- provided you have furnished them with an honest and accurate details of income/expenditure reserving essential outgoings and divided the disposable in come equitably between creditors

 

whether it is 5 pounds or 50 pence, that is all that can be afforded- once b card refuse this then all logged calls will be evidence to a court that these calls are for no other purpose than to bully the debtor into paying not only more than they can afford but also seek to deprive other creditors of their rightful share of the spoils

 

once you have made the offer (ignore the bollocks about minimum offers)- if they do not accept- then simply invite them to take you to court whereupon you will submit the very same figures and a list of their telephone calls to the court-

 

DH has just admitted that they will accept the order of the court if they have to and not the offer from the debtor- so do you think they are going to waste even more money taking you to court to get exactly the same offer? of course not- and if they do its head you win tails they lose

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Guest dwheeler
Ooooohh isnt the troll wonderful...."i have this", "i have that".....think you'll find no-one really gives a damn what you do or dont have..so im not sure what you trying to prove exactly by telling everyone what a wonderful existance you have? :rolleyes:

As for your question...

If i was owed all sorts - it would be for the county courts to decide how much i was repaid...weather that be £1 per month or any other amount.

Weather i was happy with it or not is irrelevant.

I certainly could not take the law into my own hands - i would have to abide by what the county court says ;)

 

I was proving a point that I live within my means and dont use credit to subsidise a lifestyle I couldnt have without it, it makes me laugh really you all accept the credit cards and go on holiday, buy a new kitchen and so on yet when it comes to paying you use every excuse i the book as I said if I used my full £15,000 I would never be able to pay it back but I am responsible and know how much I can afford for example;

 

3% of £15,000 is £450.00

20% of £15,000 is £3,000

 

3% of £3,000 is £90.00

20% of £3,000 is £600.00

 

just because you were given the limit doesnt mean you should use it!!

 

I tell you what can someone get my car finance wiped???

 

I went into a garage and I knew I would have to pay £xx for 48 months but now cos I cant afford it I will ask them for a copy of my credit agreement and see how long I can push it for ..... is this acceptable????

 

NO - because I knew the commitment when I bought the car and as a decent person I know what I agreed and I'm willing to pay for what ive had.

 

Everyone knows what they have spent on their barclaycard and even if you have a valid dispute you could still pay for what you have actually used and cover the dispute at the end. all I have heard is excuse after excuse, I dont understand the interest, I want a copy of my credit agreement, I can afford to pay for 3,4,5 or 6 credit cards!!!! the problem is contained within these pages!!!!

 

If I had a problem with a credit agreement, interest or repayments I would address it straight away and ensure it was cleared up before going any further, I see people on here claiming to be big earners, solicitors and people offering advise and yet you enter into agreement without reading the agreement, without knowing the interest rate, without any regard for how to repay your debt and you have the cheek to slag me off - seems to me that for a well educated bunch of people you really should know better

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all logged calls will be evidence to a court that these calls are for no other purpose than to bully the debtor into paying not only more than they can afford but also seek to deprive other creditors of their rightful share of the spoils

 

 

Do you think 2 calls in 4 minutes (as I've had today) would go against them in court? :D

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AND as an afterthought

 

the threat of adverse credit information may not be as big a threat as you people think it is-

 

just as people with minor criminal records can now become policemen (unthinkable just 20 years ago)- because so many people are getting criminal records for nefarious crimes

 

 

 

so, in finance SO many people are being and will continue to be in diffuculty with their mortgages and credit cards etc through this recession that afterwards the banks WILL HAVE TO accept them again fro credit for not to do so will be cutting off their nose to spite their faces

 

I suggest that all of the caggers, when they have realised their goals in dealing with their creditors then write to the credit reference agencies and place a short simple statement (as they are entitled to do) on their credit reference file such as:-

 

"victim of the recession - unexpectedly redundancy"

 

keep it short and simple don't slag off the creditors thus prospective providers of future credit can see a reason.

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Guest dwheeler
yeah, i have done, sadly however they were about as much use as kick in the ball hooks as they did not address the issue of securitisation, securitisation means that the debt no longer appears (in most cases) on your balance sheet, so if its not on your balance sheet, you cant sue as i dont owe you sod all, zero, zilch, its the SPV who actually owns the debt or the benefit of that debt, so i suggest you go take a break and consider that point, if you need assistance ask your friends at churchil place

 

oh and with respect to credit rating??

 

i do like it when the lenders do silly things such as defaming a clients credit file, as the damages run around 8k currently, see Durkin and DSG Retail & HFC Bank so my clients end up with a clean credit record, but they also get a nice sum of damages toooooo

 

Who do you think ultimately ends up paying for the legal costs and compensation????? US!!!! so while you laugh just imagine how much cheaper products and services would be without this claims culture that seems to be spreading across the UK??

 

I have never made any insurance claim or compensation claim in my life and unless it was a matter of life or death I wouldnt either !!

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Hello CornishMaid!

 

Do you think 2 calls in 4 minutes (as I've had today) would go against them in court?
I suggest that you send a complaint direct to their Company Secretary, and c.c. a Copy to the CEO John Varley. This is the Address:

 

The Company Secretary

Barclays Bank plc

1 Churchill Place

London

E14 5HP

If everyone does this, then the monkeys at the top can't deny they were not aware.

 

One day, we may yet see Varley in Court having to explain why he has authorised the Harassment.

 

Never forget that Calder Financial, Mercers Debt Collections Limited and Barclaycard are all Barclays Bank plc, and Varley sits at the very top of that steaming pile.

 

If you get hassle, make sure Varley is always made aware. Do not bother complaining to the minions further down the food chain, as they could not give a damn.

 

The annoying Troll is ample evidence of that.

 

Cheers,

BRW

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Guest dwheeler
:lol:

You know something...my credit rating has been minus 1 squillion since about the mid 90s now & it hasnt made a blind bit of difference in terms of weather i do or dont get approved for things & my ability to move on/get by in life etc...

Ive been approved & not approved for many things in that time since.

It all boils down to the company in question as to weather they give you the credit or not.

The moral of that story is...credit files arent worth the paper they are printed on & CRA's are not fit for purpose basically.

Anyway..what makes you think i want credit ever again?

Are you suggesting people cannot live their lives without getting some of credit?

If never got credit ever again it wouldnt be a day too soon - its one of the reasons why this country is in the mess it is.;)

Oh & guess what...the likes of me is having the last laugh as your industry collpases down around you :)

 

I hardly think its collapsing!! read below

Bailiff firm creates over 100 UK jobs

 

• Intrum Justitia to expand workforce at its UK HQ in Liverpool

 

• Move follows increasing number of late payments to SMEs

A debt collection company today announced it would boost its UK workforce by almost 50%.

Intrum Justitia said the recruitment drive was needed to meet the demand of businesses being hit by the late payment of bills.

More than 100 people will be joining Intrum's UK headquarters in Liverpool in the next 12 months, bringing staff numbers to more than 300.

The expansion follows a successful year, including big contract wins, plus the increasing pressure of late payments on businesses.

Chris Savage, regional managing director, UK and Ireland, said: "The UK operation is growing. We are expanding the range of services we offer and helping more and more businesses secure cash flow through effective credit management.

"The harsh reality of economic life is that it's getting harder to be paid on time. With UK businesses taking an average of 51 days to pay invoices, companies need a clear debt management strategy in order to secure payments owed to them.

"According to recent research conducted by Bacs Payment Schemes, UK SMEs are owed £25.9bn. This represents nearly a 40% increase on the figures reported in the media 12 months earlier.

"The speed and depth of the credit crunch has caught out a lot of businesses and they are ill-prepared to cope with the issue of late payments. With credit lines costly and harder to obtain from banks, professional debt collection can be one of the most cost-effective ways of improving cash flow and reducing outstanding payments.

"Almost a fifth of all companies now employ someone specifically to chase overdue invoices and with the recession biting harder, all businesses will need to place greater focus on improving cash flow from their existing client base." is this now what ive been saying???

The company – founded in Sweden in 1923 – has offices in 23 countries and works with more than 90,000 individual corporate clients.

It employs nearly 3,500 staff, 230 of which work out of its UK headquarters in Liverpool city centre. The company works with some of the country's biggest names in utilities, finance, retail and media.

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yeah, i have done, sadly however they were about as much use as kick in the ball hooks as they did not address the issue of securitisation, securitisation means that the debt no longer appears (in most cases) on your balance sheet, so if its not on your balance sheet, you cant sue as i dont owe you sod all, zero, zilch, its the SPV who actually owns the debt or the benefit of that debt, so i suggest you go take a break and consider that point, if you need assistance ask your friends at churchil place

 

oh and with respect to credit rating??

 

i do like it when the lenders do silly things such as defaming a clients credit file, as the damages run around 8k currently, see Durkin and DSG Retail & HFC Bank so my clients end up with a clean credit record, but they also get a nice sum of damages toooooo

 

 

This was brought home to me recently when mentioning Durkin and DSG & HFC Bank Ltd merely in passing, a defamatory and long securitised credit file vanished over night....Experian even emailed me personally to assure me that it been removed, manually on the orders of CP1.

 

You just need to know how to rattle their cage.

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Guest dwheeler
And you wonder why people aren't willing to speak to Barclaycard about their debt problems when they employ kind and sympathetic souls like you? :lol:

 

 

I was sympathetic and understanding until you lot turned on me, as one of your mates said in here "respect and co-operation is earned" well practise what you preach!!!

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