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    • So @theoldrouge where was farage during the D-day honors/remembrance ? He was quick to trash Sunak - but at least sunak showed his face heh?   Sunak perhaps needs to slip some dosh to led by donkeys to fund some banners in Clacton heh? Suggestions: D-day - Sunak maybe ran, but Farage never even showed Farage I'm the only one who can change my mind - dont you plebs think you can Clacton, who wants to spend time in Clacton? 48/52 is unfinished business - ooops eerrrr no it is  ...  err well unless is what I lose by Reject me 1 times shame on you, Reject me 7 times shame on me    
    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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Claiming beyond 6 yrs - important new information!!!


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Have just recieved 6 years worth of statements from HSBC-any one have any idea how far back their records might go and how do I request further statements? taking it its the same as original request letter almost.

Also-what do you all mean br SAR? apologies for being so thick but al the jargon and abbreviations are beyond me.Heads spinning.Any help much appreciated.

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hi standingup

 

If they are declaring that the account had an oustanding balance when closed, and that the account was closed in 1999 - they will almost definitely have details there.

Was there ever any legal/default discussions on this account?

Is this in response to a SAR?

 

If so, I would repeat the request, confirming the microfiche data is a relevant filing system, and if the data has been destroyed, you want the method of destruction, by whom, when, and if they are not willing to supply due to s5 of the 1980 limitations act, counter it with a s32 statement that they have concealed that their charges are disproportionate to their actual costs, and therefore the 6 year statute is not relevant. The Limitations Act doesnt apply to data retention so if they quote it, then the best reply is to point out their failings and re dicrect them to the DPA. Trying to use Sec 32 only shows them your limited knowledge i think. I doubt they will use that argument anyway they may just supply only six wirths presuming thats what you want, but that is a different argument.

BTW if they only provide data for six years then you might like to remind them that they have supplied data to others, me and at least two others with data over six years old in the past.

You could also support this by submitting a cca request.

As part of the SAR, you could ask for ALL information held, on any form of media, along with transcripts of any telephone calls made or received regarding you, any disclosures to or from 3rd parties in relation to any business regarding you, any legal action past or present, and if there was an outstanding amount in 1999, surely they must have information to support how and why it was outstanding?

I'm sure others on here would add to the above re wording?!

 

Pers

 

 

HTh

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Appreciate the correction Glenn - thank you.

 

Perseus

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Subject Access Request - under Data Protection Act - see Template letters they should have sent you all teh info they have on you if you send them one of these letters

 

Good Luck

 

BJ

You do have to almost 'remind/specify' what all the data is you're requesting, otherwise they tend to assume that it's just copy statements for the last 6 years that you're after!

 

 

P

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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You do have to almost 'remind/specify' what all the data is you're requesting, otherwise they tend to assume that it's just copy statements for the last 6 years that you're after!

 

 

P

 

this is what I'm thinking for my info from barclays. I closed the account in Nov 2001 but apparenlty they hold info going back 12 years currently. I closed that account due to the charges I was receiving. That should be around another 6 years worth of charges I can claim back then. :D

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re abbey I am still waiting for the rest of bank statements they are well over the 40 day deadline. :29 jan 07 first letter with £10.00 fee

12 feb 07 I recive statements back to 11/05 rest to follow. 13/03/07 I phone to remind that 40 day dead line runs out 16/03/07 ROY i will chase it up !

29/03/07 non compliance letter sent.

no reply. 04/04/07 i informed ICO they reply byreturn.

10/04/07 sent a failed to comply letter R/D giving 7 days to comply not a word back.

20/04/07 today went to file at court will have to wait a couple of days as short of cash.

Should i ask for bank charges for the statements i have got or wait?

or say in the year i was charged £1350.00 and times by six and live in hope.

11/04/07 I phone and lodge complaint .LYN was very helpfull.

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Hi Perseus

 

Thank you for your help. You have said to me what I thought myself....If they can tell me when the account closed and that there was monies owing, then they obviously have details on my account.

 

You asked was the account in default> Yes, I had a £1000 overdraft with them for a couple of years, however they withdrew it with a couple months notice. We were not able to pay it back in their stated time scale, and it became a debt with them that lasted a year or two I think.. Not sure if it went to an outside debt collection agency, don't think so.... will be able to tell when they comply with my SAR for my other account, as it should tell who I made the monthly payments to, but I do actually think it was direct into my Abbey account. They state that I still owed money on the account when they closed it. It would have been minimal, ie one or two pounds, eg maybe the last and final payment owed to them was £27.50 but I paid £25 per month, something like that...

 

I will re-read your post, re-mind them of their SAR obligations, and copy the wording you have suggested.

 

If anyone out there has anything to add I would appreciate knowing it....

Thank you Perseus for your invaluable help..

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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i have kept all bank statements and am surprised people just seem to throw away paperwork. Even more so now eith identity theft.

Anyway I have filed 3 claims against LLoyds and they relate to prior to 6 years and also more recently so shall have to see the outcome

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Hi beenrobed

 

Personally I would wait.

 

If you need any assistance re the wording on the claim forms, there are members here very used to submitting them.

Plus you'll get to claim your fees back too.

 

Just my opinion.

 

p

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Hi Perseus

 

Thank you for your help. You have said to me what I thought myself....If they can tell me when the account closed and that there was monies owing, then they obviously have details on my account.

 

You asked was the account in default> Yes, I had a £1000 overdraft with them for a couple of years, however they withdrew it with a couple months notice. We were not able to pay it back in their stated time scale, and it became a debt with them that lasted a year or two I think.. Not sure if it went to an outside debt collection agency, don't think so.... will be able to tell when they comply with my SAR for my other account, as it should tell who I made the monthly payments to, but I do actually think it was direct into my Abbey account. They state that I still owed money on the account when they closed it. It would have been minimal, ie one or two pounds, eg maybe the last and final payment owed to them was £27.50 but I paid £25 per month, something like that...

 

I will re-read your post, re-mind them of their SAR obligations, and copy the wording you have suggested.

 

If anyone out there has anything to add I would appreciate knowing it....

Thank you Perseus for your invaluable help..

 

You're welcome.

 

:-)

 

Thanks for the click! :-)

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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i have kept all bank statements and am surprised people just seem to throw away paperwork. Even more so now eith identity theft.

Anyway I have filed 3 claims against LLoyds and they relate to prior to 6 years and also more recently so shall have to see the outcome

 

Hi Su. I've kept my statements too and am going to go back before 6 years ago with Nationwide. I will follow your thread with interest!

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yes and yes. you can claim 6 years from the date you became aware the charges were unlawful. :)

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No you can claim charges from whenever you have or can get the statement/account info.

 

so if you have kept your statements going back over 6 years you can't claim those fees > 6 years back? but if I requested those statements and recieved them tomorrow I could? are you sure? That's not how I understood it but I've only been reading other peoples posts, I'm certainly no expert. ;)

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To try and clarify:

 

The six year period is not from now back to 2001 or whatever. The six years relates to the time after you become aware of the unlawful actions of the bank. (most people take this point as being last year's OFT report.)

 

From 'becoming aware', you have a six-year window to make a claim. ie any time up until April 2012!

 

Provided you have, or can obtain, the relevant information, you can claim charges as far back as you can prove them.

 

ie: if you have 1980's statements, CLAIM !!

 

Does that make sense?:confused:

 

D.

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I have just sent my letter before litigation to the Royal Bank of Scotland along with my schedule for the past 6 years so i am waiting there response.If now as it seems there is a possibility to claim more than 6 years how do i amend the origional claim or do i submit a new claim dating back for the other years pre 6 years ago.Also i have heard the Royal Bank Scotland has set aside 40 million to pay there customers expected charge claims.

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Scooby, do you have statements for over 6 years?

 

I didn't get anything that far back, so I'm continuing my standard 6yr claim, intending to follow up with a second one for earlier charges.

 

d.;)

 

other users have managed to get statements going back 15 years from RBS. I don't know if that is a cut off point or if they go back even further than that. see my thread here for details being collated on all the banks http://www.consumeractiongroup.co.uk/forum/general/80683-please-post-how-far-6.html#post747611

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