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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Although, any individual in a similar position should decide for themselves what they think is an appropriate course of action. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • 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! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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smashedbobo v barclaycard


smashedbobo
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Hi, hope someone can help. I have received all my statements from B/C. Have added all the charges up and they total £1016. Now here is a question, has anyone ever rung B/C and asked for the charges to be paid back. Am willing to accept half the amount at this stage as i would like to keep my card if possible. Would they want to close the account if i went after the charges. If they did then i would go for whole lot. Do you think it would be worth a try. Half the charges would put me in credit with them. Thank you in advance for any advice xxxxxx

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Hi smashedbobo,

 

In my experience with barclaycard it goes like this:

 

Pre lim sent requesting both the charges and the compound interest charges on those charges - reply from barclaycard= bog standard "we will be in touch in 28days"

 

I send Lba - reply = "yes madam you have been charged £x we dont agree with you but are going to refund the difference between the £12 and the amount you have been charged for each charge"

 

At the same time the reply arrrives so does my statement showing they have already applied the refund.

 

You then proceed to MCOL for the rest of the charges and the compound interest, and 8% interest.

 

I am at court stage now, have 3 accounts and they have done the above to each account. They will not close your account because of charges - they may if you continue to be over your limit etc, but not only is it worth sending the pre lim and lba off following through to court and including compound interest as well as 8% interest means to me that it wipes out my balance completely!

 

hope that helps

 

Miss P x x

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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Bobo, it's always worth it because you will get your money back IN FULL. Don't go accepting half - there's no reason to.

 

BC shouldn't call your card in unless you are way over your limit or something like that down to the fact that a few financial institutions have been fined heavily for retaliatory closures. That's not to say it COULD happen though.

 

Definitely worth a try - pop in the BC successes forum and see how many people have won!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Hi smashedbobo,

 

In my experience with barclaycard it goes like this:

.....

....

You then proceed to MCOL for the rest of the charges and the compound interest, and 8% interest.

 

I am at court stage now, have 3 accounts and they have done the above to each account. They will not close your account because of charges - they may if you continue to be over your limit etc, but not only is it worth sending the pre lim and lba off following through to court and including compound interest as well as 8% interest means to me that it wipes out my balance completely!

 

Miss P x x

 

Sorry to Hijack thread... i see on some threads people are saying you can't go for compound + 8%.... its either one or the other- can someone clarify this?

 

Cheers,

Smiley:)

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Your correct smiley. One or the other. Both is just taking the pith :D

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Ok I was talking about compound interest meaning the interest you are charged on the illegal penalties each month which obviously grows and grows every month(hence why i call it compound) NOT contractual interest - the two are different - AND it is NOT taking the pi#s to reclaim money that you have paid in interest due to the illegal charges! and if they dont pay back your charges plus the interest then you register at court and put 8% on top of that.

 

I feel qualified enough to get on my high horse with this one having just received near on £500 worth of compound interest refunded to me. If I have used to wrong word to describe it then I apologise but I know you can get your charges and your interest and 8% on top of both sums of money back.

 

this issue confuses people alot - pm me if you want me to explain further.

 

Miss P x

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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i stand corrected. thought you were referring to contractual interest as this is sometimes (right or wrongly) referred to as contractual compound interest (just to confuse even more).

 

To save confusion I refer to what you called compound as interest charges. You can't of course claim contractual and 8% because THAT would be taking the pith.

 

No need to get on your high horse.....merely crossed wires ;)

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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