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    • Hi, I have an old outstanding debt from 1994 due to MBNA for £20,000. The debt has been passed to various DCAs and is currently with PRA Group.  I sent them a CCA letter in January 2024. They acknowledged this letter and stated they would come back when they had more information, however the information did not arrive within the 12 working day scenario.. I have just received a copy of the agreement which goes back to 1994 from them. In their response letter they have stated " Please find enclosed documentation received to date: we are waiting further documents in order to complete your request. We have currently deemed this debt as unenforceable which means we are not able to take court or further action against you to recover the outstanding balance". They then go on to state "we are still legally entitled to:  1.Contact you to ask and repay what you owe 2.Pass your details onto a third party collection agency 3. Continue to report your account with the credit reference bureaux (as appropriate)". I'm at a loss as to what I should do next and would appreciate any guidance on this matter. I am currently paying £5.00 pcm. TIA      
    • A sinister tactic known as shoulder surfing is on the rise in the UK. Fraudsters are watching unwitting people log in to their mobile banking apps over their shoulder.View the full article
    • My understanding is that they won't provide the name to me whether the investigation is Live or Closed, & I have no legal rep as I didn't have P.I. Cover on my policy, & am intending to claim using OIC.org.uk, but remain completely stuck as they 100% cannot open a claim on the portal without both the Reg. No. & Name of the other driver.  
    • thanks again ftmdave, your words are verey encouraging and i do appreciate them. i have taken about 2 hours to think of a letter to write to the ceo...i will paste it below...also how would i address a ceo? do i just put his name? or put dear sir? do you think its ok?  i would appreciate feedback/input from anybody if anything needs to be added/taken away, removed if incorrect etc. i am writing it on behalf of my friend..she is the named driver  - im the one with the blue badge and owner of the car - just for clarification. thanks in adavance to everyone.       My friend and I are both disabled and have been a victim of disability discrimination on the part of your agents.   I have been incorrectly 'charged' by your agent 'excel parking' for overstaying in your car park, but there was no overstay. The letter I recieved said the duration of stay was 15 minutes but there is a 10 minute grace period and also 5 minutes consideration time, hence there was no duration of stay of 15 minutes.   I would like to take this oppertunity to clarify what happend at your Gravesend store. We are struggling finacially due to the 'cost of living crisis' and not being able to work because we are both disabled, we was attracted to your store for the 10 items for £10 offer. I suffer dyslexia and depression and my friend who I take shopping has a mobility disability. We went to buy some shopping at your Gravesend branch of Iceland on 28th of December 2023, we entered your car park, tried to read and understand the parking signs and realised we had to pay for parking. We then realised we didnt have any change for the parking machine so went back to look for coins in the car and when we couldnt find any we left. As my friend has mobility issues it takes some time for me to help him out of the car, as you probably understand this takes more time than it would a normal able bodied person. As I suffer dyslexia I am sure you'll agree that it took me more time than a normal person to read and understand the large amount of information at the pay & display machine. After this, it took more time than an able bodied person to leave the car park especially as I have to help my friend on his crutches etc get back into the car due to his mobility disability. All this took us 15 minutes.   I was the driver of my friends car and he has a blue badge. He then received a 'notice to keeper' for a 'failure to purchase a parking tariff'. On the letter it asked to name the driver if you wasnt the driver at the time, so as he wasnt the driver he named me. I appealed the charge and told them we are disabled and explained the situation as above. The appeal was denied, and even more so was totally ignored regarding our disabilities and that we take longer than an able bodied person to access the car and read the signs and understand them. As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us. I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge.     After being discriminated by your agent my friend decided to contact 'iceland customer care team' on my behalf and again explained the situation and also sent photos of his disabled blue badge and proof of disability. He asked the care team to cancel the charge as ultimately its Iceland's land/property and you have the power over excel parking to cancel it. Again we was met with no mention or consideration for our disability and no direct response regarding the cancellation, all we was told was to contact excel parking. He has replied over 20 times to try to get the 'care team' to understand and cancel this but its pointless as we are just ignored every time. I believe that Ignoring our disability is discrimination which is why I am now contacting you.     I have noticed on your website that you are 'acting' to ease the 'cost of living crisis' : https://about.iceland.co.uk/2022/04/05/iceland-acts-to-ease-the-cost-of-living-crisis/   If you really are commited to helping people in this time of crisis ..and especially two struggling disabled people, can you please cancel this charge as it will only cause more damage to our mental health if you do not.  
    • I've also been in touch via the online portal to the Police's GDPR team, to request the name of the other Driver. Got this response:   Dear Mr. ---------   Our Ref: ----------   Thank you for your request which has been forwarded to the Data Protection Team for consideration.   The data you are requesting is third party, we would not give this information directly to you.   Your solicitor or legal team acting on our behalf would approach us directly with your signed (wet) consent allowing us to consider the request further.   I note the investigation is showing as ‘live’ at this time, we would not considered sharing data for suggested injury until the investigation has been closed.   If you wish to pursue a claim once the investigation has been closed please signpost your legal team to [email protected]   Kind regards   ----------------- Data Protection Assistant    
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Barclays Litigation Team Good or Evil? You Decide..


dar£n
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dont know how you do the quote thingy but seen this on the new posts. it has lifted my spirits so thought it might do the same for others

linda

 

Today, 11:15 #1 (permalink) grimethorpe vbmenu_register("postmenu_1043051", true);

Basic Account Customer

 

Join Date: Jun 2007

Posts: 9

reputation_pos.gif

 

 

icon10.gif Won Won Won Won Against Y-bank

:D Great' Fantastic' Brilliant' News For All;

 

hi To Everyone On This Board I Have Been To Court This Moring -grimethorpe V Yorkshire Bank'

 

their Solocitor Never Showed Up The District Judge Then Made Me The Full Judgement Of £7.250.

 

i Was Only In With The District Judge 60 Seconds She Asked Me One Question ' How Had I Worked Worked Out What The Bank Owed Me.

 

i Told Her I Had Gone Back The 6 Years And Added Interest.

 

she Then Looked At Me And Said I Award You The Full Judgement. You Will Recieve It In The Next 14 Days From The Bank.

 

So Keep At Em Good People'

 

All The Very Best Rob.

Ps I Want To Thank All The Board Members And Especially Mr Martin Lewis. Thank You All So Very Much. Rob

user_online.gifreputation.gif vbrep_register("1043051") report.gif

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Just to confirm things at the Lit Dept.

 

Emailed to ask the question about phoning to settle.

 

Reply received today:

All claimants can continue to contact us if they need to - there’s just very little we can do to help now, as you obviously know, we will not be settling any more claims as we wait for the outcome of the test case. I hope this clarifies things for you.

 

Well, that's a very, VERY naughty answer.

 

That answer is making out that there is no point in contacting them at all, as they won't be settling any more claims, when in fact, they will have to settle the ones in the pipeline which don't get stayed, either by the judge of his own recognition, or because Barclays Lit have applied, or go to court.

 

If proof was needed that these people have absolutely no intention of doing anything for you, there it is: deliberately misleading people, KNOWING that the answer would find its way there. How repulsive. :mad: And how typical. :evil:

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This is where the POCs are really key as well - if you can get the judge to grant the types of disclosure they ask for, then the bank will pay up as per usual, as they would still ahve to follow the individual case, and not the test cases, directions.

 

I can't stress enough how important the N1 has now become, it could be a life line for many who want quick settlement, and the more of these the judge sees, the more likely he or she is to eventually adopt them as standard.

 

this is what a site like CAG is for - rallying the troops...so get rallied, and file those N1 forms now!!!!

 

Peter

Sign my petition to the Prime Minister here:

PETITION

Thanks

Peter

 

!!!WON!!!

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Just to confirm things at the Lit Dept.

 

Emailed to ask the question about phoning to settle.

 

Reply received today:

[/color]

they are pre empting the judges how do they know the cases will be stayed.tez

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daz that e mail should be used by us in some way.showing contempt for courts,..? trying to influence claimants and courts.daz can you e mail it please if you still have my e mail adress.cheers.

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I am gutted ! So near but yet sooooo far

 

Think of it as 'last hurdle' but it just got moved 20m down the track - you'll get there, just not as quick as you hoped!

 

Also, when it does get re-instated, the judge will just award judgement, as the high court ruling will be binding to him as a lower court judge.

 

Peter

Sign my petition to the Prime Minister here:

PETITION

Thanks

Peter

 

!!!WON!!!

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I have a court date of 8th October & thought I would try my luck about settling!!

I e-mailed the non-existant Paul Quinn who is dealing with my case & I also e-mailed the delightful Dino because he is the only one who ever seems to get back to anybody, anyway, lo & behold I only received a reply from Dino.

It said " As you've probably seen from recent media reports, Barclays are now contesting all bank charges claims. Paul will not be looking to settle your claim but will look to have it stayed until the outcome of any test case. "

 

HOW RUDE!!!!!!!!!!

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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Its good that you have sent your bundle.

Usually these have to be filed 14 days before a hearing.

Although Barclays may not have filed anything,they may feel their defence is enough and that everything they will be relying on has already been filed previously.

As you know,if they do not attend Court and you do..all you have filed will be taken into account and its possible that the case will be heard based soley on your submissions.If you do plan to contact them to agree on settlement,make sure that cleared funds will be available for you and by your chosen method of payment by 9.00 am on the day of the hearing.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I have a court date of 8th October & thought I would try my luck about settling!!

I e-mailed the non-existant Paul Quinn who is dealing with my case & I also e-mailed the delightful Dino because he is the only one who ever seems to get back to anybody, anyway, lo & behold I only received a reply from Dino.

It said " As you've probably seen from recent media reports, Barclays are now contesting all bank charges claims. Paul will not be looking to settle your claim but will look to have it stayed until the outcome of any test case. "

 

HOW RUDE!!!!!!!!!!

is having it stayed,contesting the case?

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No, but the fact they are willing to contest is something to tell the judge - obviously they don't want it stayed, and do want to fight your claim - tell the judge that and see if he asks for a stay then!

 

Peter

Sign my petition to the Prime Minister here:

PETITION

Thanks

Peter

 

!!!WON!!!

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No, but the fact they are willing to contest is something to tell the judge - obviously they don't want it stayed, and do want to fight your claim - tell the judge that and see if he asks for a stay then!

 

Peter

i asked darren for his e mail,dose these e mails constitute proof of telling porkies or at the least intimidating bull s.tez

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Hi,

 

first attempt to contact Paul Quinn was on 22/06/07 just before my court case, with no luck. So eventually had to go through court proceedings and as expected the bank representative never turned up.

Now finally having received my decree awarding all the charges plus interest plus court costs I repeatedly tried to contact him to get these back which turned out to be rather difficult as he is unobtainable.

 

Luckily I've found this thread and tried Dino, who answered my phone at first attempt and asked me to fax him the Court Decree, saying it should be a matter of paying the amount now. So hopefully that's it after nearly six months,......but am not gonna rely on it just yet.........;)

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