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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Bakadan vs Barclays! here I go!


bakadan
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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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