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    • Hi and thanks It looks like they ticked all the boxes to me but I'll try and upload the notice. I was wondering if a witness to late delivery might be considered proof - I'm assuming they posted it as normal but Royal Mail stuffed up delivery. If not then they're really saying it just has to be posted within 12 days of the incident, regardless of when it is received. Annoying! edit ok thanks Honeybee here's my 2nd (actually 3rd) attempt at anonymising, copying and uploading the notice! Sorry about the state of it - I sat on it while distracted by my dog 🙃 pcn front.pdf pcn back page.pdf
    • ROFL - dont get upset just because someone (quite a lot of someones) dont want smart meters - well unless you get paid for it .. in which case ...   I assume you haven't been with Octopus long enough to be on one of the very long fixed price tariffs they offered before the prices went bonkers .. and that you dont use your electricity in the evening/lunch time if you think the 'agile type tariffs are good value .. let alone worth installing a smart meter for - high price a good disincentive for an evening cuppa eh? Let alone all your computer/tv etc time in the peak price evening or lunch time. - and boy do those peak prices instantly hammer your bill when those Russian and middle eastern issues kick off.   I would only have considered a smart meter if solar panels had been an option for me - but roof is oriented completely the wrong way. Oh - and My opinion hasn't changed since the smart meter trials 40 years ago, because neither have the issues (well not enough) but I'm happy for you. Be happy for me.
    • Hi. I'm afraid I've had to hide your post with the pdf files to keep this anonymous for you. You've left the PCN reference number and your car reg showing. Could you edit that and repost please? HB    
    • Well naturally if you want to maintain your outrage, and retain something to bitch about, then arguing about the level of your fixed monthly DD is the way to go. You are of course perfectly free to ignore the easy solution.
    • His financial situation isn’t great, and the landlord has made lots of things up. The things he’s put isn’t true at all. My friend did tell the full truth with incoming and outgoing, I helped him fill in his form and he checked bills etc. to make sure it was right. His wage is ok, but not as good as the landlord thinks it is,  and he doesn’t have anything spare. How much are they likely to take from him? Should he send any reply?  the letter just says to take the court letter with him. 
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Standingupformyself v Barclaycard 'WON'


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I typed that whilst I was still on the phone!!!! So frustrated....

The lady I spoke to has apparantly re-ordered the statements, I should receive them in 10-15 days. I pointed out that this was well over the 40 days deadline and I expected to receive them considerably sooner than that. She just repeated that they were being processed now

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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  • 2 weeks later...

I am also hassling Barclaycard for PPI payments to be returned, to the tune of £700 or so, plus the 24.9% interest. Am at LBA stage with them for claiming back my charges. Should I merge these 2 requests into one letter or claim seperatly. And am I able to have two different claims going to the same company at the same, even though they are for different reasons?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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absolutely deadly quiet !!!!! No reply or acknoweldgement regarding PPI and nothing either about my charges claim!!!!

I still don't know whether I should be putting these two disputes on the same letter either.

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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yes, that's what I have been so far. the question I need answering though from someone is: Can I claim these 2 amounts at the same time?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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have just noticed , today when my statement came through that I am being charged 27.9% interest, not 24.9 that I thought. I am at LBA stage, is it too late to amend the spreadsheet?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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if you have not sent the lba then i would amend the interest.

Could you tell me how do i start a thread on here.

Click on the bank or thread you want to be on, at the bottom of the page you will see New Thread click on and away you go.

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Hi if you've sent an LBA alredy and there's only a small difference in the amount you requested on the LBA and the new 27.9% amount I would just go ahead and file a claim in court. They've had lots of time and they aren't going to change their minds. If the amount is small it wont make any difference.

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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I have been reading through other peoples threads, and have now realised that Barclaycard HAVE NOT sent me the true copy of my CCA. They have sent me something they send to many others, it is just the application form. It is not signed by Barclaycard, neither is it dated by myself or them.. I initially sent off for the CCA to see of I had asked for PPI, which I am convinced I did not, there is a smudge in the tick box, but not a tick, so I am in the process of asking for the payments back. However this non conformance of sending me the CCA puts another edge on things I beleive,

I have a similar situation with MBNA, they have not got a CCA to send to me either, and the advice given to me on that one is to continue reclaiming charges back, when that is over to use the lack of agreement to remove all defaults on my credit file, then (possibly) try to claim back all interest paid onto the account....

What does anyone think? I am going to continue paying Barclaycard for the time being, and continue my claim for charges back.... Has anyone any experience in what happens next regarding the lack of CCA?

 

xxx

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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  • 1 month later...

Hi everyone,

 

Im about to begin the process of claiming back my student loan (that i still owe) and crappy wages for doing crappy work that Barclaycard thought it would be fun to take away from me when i was a down and out student, scraping my way from day to day.

 

Ive already started the barclays bank charges using the "Sticky: 1. Data Protection Act, Subject Access Request letter - List of charges" template, however i was not sure whether or not to use the same template for barclaycard, seeing as they are not really a bank, but a credit organisation.

 

Could somebody please link me to the correct template.

 

Thanks and good luck to everybody.

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  • 3 weeks later...

Last month I sent off for a true copy of my CCA, all I receievd in the post was a copy of the application form... I have not got scanning facilities at home, but will try and upload it at work and post it on this thread.

 

If this is not a copy of my CCA, has anyone any advice as to what steps I can take now?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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