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    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
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Gertrude vs Barclays


Gertrude
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Thanks

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Sent my first letter, SAR and have received this reply.

 

"Please be aware that the bank is not under obligation to present information according to any particular format. Therefore, your request to assemble a schedule of charges is turned aside. You may of course obtain this data from copy statements and these will be supplied to you within the next few weeks without charge on this occasion. We would advise however, that statement information prior to 2000 is stored manually rather than on computer. Therefore, if your account was opened prior to this time, there may be an increase in the time required to collate the information you have requested. I apologise in advance should this delay be the cause of any inconvenience to you.

 

As regards your mention of "manual Iintervention", the DPA does not oblige the Bank to comment about internal policies and procedures. Furthermore, in the context of managing day to day ttransactions arising from out of order accounts, the Bank does not hold the information you have requested in a form that would be covered by the DPA. Whilst aggregated information is retained for statistical purposes, this would not constitute "personal data", under the DPA and therefore would not be covered by a s.7 DPA subject access request. For the avoidance of doubt, the fact that we do not generally record information in a way that is caught by the provisions of the DPA, is in no way an admission that there was no such manual intervention.

 

As the Bank is providing the copy statement on a complimentary basis your payment is returned herewith."

 

I am not sure what they are trying to say regarding manual intervention.

Please could someone enlighten me.

 

thanks

Gertrude

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It's a standard letter. Don't worry about it, they're just trying to lay a bit of a smokescreen because they don't want to admit how they deal with charges. If they could prove everything was slaved over by admin staff by hand with each incident taking many hours to resolve they could defend their charges, but as they can't they're just trying to fob you off.

If in doubt read the

FAQs

 

If still in doubt - ask!

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yep

ignore it.

you wait till the next one in the series.

 

it makes me wonder if they think they 'have' to reply to our requests, just out of delaying tactics

 

dx100uk

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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It's a standard letter. Don't worry about it, they're just trying to lay a bit of a smokescreen because they don't want to admit how they deal with charges. If they could prove everything was slaved over by admin staff by hand with each incident taking many hours to resolve they could defend their charges, but as they can't they're just trying to fob you off.

 

Many thanks for that. Cant wait for the next instalment from the Bank

Gertrude

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It's a standard letter. Don't worry about it, they're just trying to lay a bit of a smokescreen because they don't want to admit how they deal with charges. If they could prove everything was slaved over by admin staff by hand with each incident taking many hours to resolve they could defend their charges, but as they can't they're just trying to fob you off.

 

 

Many thanks for your reply

 

Gertrude

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granted.

 

more tea vicar....

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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hehe

 

i did that just before the tv prog and ofcourse the sig have only just come back

 

how emm.....:lol:

 

dx100uk:idea:

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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Share on other sites

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