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    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
    • Paula Venomous refused to resign for 16 months and eventually did only because a doctor threatened to resign. Interesting snippets and insights in the article. Paula Vennells clung on to ‘plum’ NHS role after Horizon scandal ARCHIVE.PH archived 19 May 2024 21:49:07 UTC  
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Bakadan vs Barclays! here I go!


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Hi guys after a long wait I finally got my duplicate statements from barclays...

 

totalled up the charges and shockingly the claim is for a whopping £4085.

 

I have written out the template letter to send them, however I'm not sure how to calculate the interest on the overdraft. I was thinking of leaving ot out, no need to be greedy!

 

If any of you have any advice or experience I'd love to here from you!

 

Good luck everyone ;)

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Hi guys after a long wait I finally got my duplicate statements from barclays...

 

totalled up the charges and shockingly the claim is for a whopping £4085.

 

I have written out the template letter to send them, however I'm not sure how to calculate the interest on the overdraft. I was thinking of leaving ot out, no need to be greedy!

 

If any of you have any advice or experience I'd love to here from you!

 

Good luck everyone ;)

 

Hi the overdraft interest is quite tricky to work out, perhaps better if you leave it out.

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No put it in....Let them calculate it if they think it is wrong :)

Claims:

bgqs v Barclays (Claim No.1) - Claim Issued 16/3/07 Await Defence to be Entered - Data Protection Act Non-Compliance - *WON

 

bgqs v Barclays (Claim No.2) - Prelim Letter Sent (Charges + s.68 Interest) - 16/3/07 - *WON

 

bgqs v Halifax - Prelim Letter Sent (Charges +C.I Interest) - 16/3/07 - *WON

 

*Paid Deposit on New House with my Winnings !

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  • 2 weeks later...

Hey guys after waiting 14 days from the date of my sending the prelim approach letter. I finally received a response from barclays.

 

It looks like a standard reply to me, even including a leaflet! They say that they will try to answer within timeframe given but cannot guarantee they will.

 

Now my questions are

 

a) my timeline - is it 14 days from when I sent the letter (4th may) or from when they say they received it (9th May)?

 

b) if it is 14 days from date then should I write my LBA?

 

c) if they telephone me should I discuss the matter? (I think I would rather not - do not want to damage my case)

 

(below is a copy of the letter)

 

 

Thanks for help

 

 

 

Dan

 

 

 

 

16th May 2007

 

Dear Mr Smith,

 

Re. Bank account -----

 

Thank you for your letter received at this office on 9th May 2007.

 

I am sorry you are unhappy with the charges you have incurred. Your comments are receiving attention and one of my team will contact you as soon as possible.

 

May I take this opportunity to explain that whilst we will endeavour to respond to you within the timescale outlined in your letter, we cannot guarantee that we will do so. Aometimes it does take longer to fully investigate a complaint. However we do aim to find a solution within four weeks. If we are not able to do so, we will always write to you explaining what is happening. A full report or an update on our progress will be sent to you within eight weeks.

 

Please refer to the enclosed leaflet which provides you with more detailed explanation on how we will deal with this matter.

 

Yours sincerely

 

Johnathan Wan

Customer Relations Advisor

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  • 3 weeks later...

Hey guys :)

 

Today I received a letter from Barclays, offering me about £3070 of a £4085 claim.

 

Now the thing is after reading the rejection letter FAQ I am a little bit worried about the wording in the letter and would appreciate some help...

 

Quote

"Despite my comments above in relation to your views, on this occasion, and without any admissions of liability, I am willing to offer the sum of £3070.00 towards the total amount you are seeking. This is with the cost and inconvenience inherent in a further dispute in mind and is intended as a gesture of goodwill, in FULL AND FINAL SETTLEMENT of your complaint"

 

(I added the CAPS)

 

What is the best way to respond to this letter?

 

 

Secondly, I am filling in my N1 form and the amount including interest and court fees brings it into the above £5000 court fee bracket. Does this mean the court fee should be for the higher amount?

 

Thanks for your help everyone :)

 

Daniel

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send a rejection letter accepting it as partial settlement and seeking the rest through court i think letter 3 here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

interest and court costs are not included in working out the court fee

 

HTH

saint

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I agree with Saintly. I've looked and letter 3 seems most appropriate at this stage. Obviously updated to reflect your details.

MBNA **WON** at prelim stage £1518.30 :)

 

Barclays claim for £1800:- S.A.R - (Subject Access Request) sent 08/12/06 / Prelim sent 20/02/07 / LBA sent 08/03/07 / N1 submitted 29/03/07 / AQ Submitted 11/05/07 / Defence struck out 05/06/07 / Judgement Order filed 07/06/07 /Cheque received and cashed 14/06/07 £2692.00

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Thanks for the help!

 

Have written out the letter rejecting fully the offer and informing them that I will be pursuing them in court....eek!

 

Any advice on filling out the N1 form would be most welcome ;)

 

as always thanks for your help, I couldn't do this without the support of you guys!

 

Dan

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Hey guys,

 

finishing off my N1 form to hand in today,

 

in the section on interest it says

 

"c) The Claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year, from [date when the money became owed to you]"

 

What date should I put here? The charges obviously each have a different date... should I put down the first date of a charge??

 

Please help me as i don't want to mess this up!

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Thanks for the help so far guys,

 

I hand delivered my N1 forms today, with SOC and particulars attached...

 

what sgould I be preparing now? is it court bundles? if so any ideas on where to get all that photocopying done cheap?!

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you have about another 33 days waiting now ...

Date of issue

5 days to be deemed served

14 days from servise to acknowledgement

then

28 days from date of service to defend

 

Court bundle is quite a way off yet as once B's defend you then have to wait for a court date

 

Hope this helps

saint

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  • 3 weeks later...

Hi guys,

 

today I received acknowledgement from barclays.

 

what is the next step... how long do I have to wait before my next step??

 

also should I start preparing for court? or is it worth trying to apply pressure to barclays to settle early?

 

thanks for any and all help!

 

Dan

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  • 2 weeks later...

Hi guys,

 

The deadline for them to defend is today, and I haven't heard a thing yet!

 

is there anyway to find out if they have filed a defence?

 

if they failed to defend then what should I do??

 

thanks guys ;)

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I phoned the court and apparently they have submitted a defence by fax on the 13th... the court just hasn't mailed it out to me yet!

 

Looking forward to what they have to say!

 

Any advice as to what I need to do complete Allocation Questionnaire??

 

thanks guys

 

Dan :)

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Hi bakadan

 

Quite normal for 11th hour Defence.

 

Wait for the court to send to you. You may not have to submit an AQ and if you do, the court will send it to you. Until then, there's nothing more for you to do but skulk around the forum reading & learning.

 

IF you do have to fill in an AQ, the step by step guide is

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

and you may want to enhance the AQ with a Draft Directions:

 

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionnaires.html?highlight=new+strategy

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Hi guys,

 

thanks for all the replies! Still waiting for the defence to be sent out from the court.

 

Have spoken to the court and they say that they are behind with lots of cases - (mostly bank charges methinks :p)

 

anyway will keep you posted, in the meantime will keep doing my research

 

thanks guys :)

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  • 2 weeks later...

Hey guys,

 

I finally received the AQ from the court today. However with all the news recently about the OFT high court case I am a bit bewildered as to what is the best course of action.

 

Should I still try using the "draft directions" as suggested by welshcakes, or is it unlikely that it will make any difference to whether or not the case will be stayed?

 

Also what is the best way forward now, is it worth making an offer to the bank saying I will settle now for £xxxx amount???

 

Thanks as always guys!

 

Daniel

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