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    • Hi everyone, I am new to this forum. I am HOPING you can give me some advice that can help me. I am 68 years old and I currently own a leasehold property for which I have to pay (extortionate) monthly fees for Ground rent and Maintenance to a management company. During 2020, I managed to pay only for 6 months and then ended up in financial difficulty due to Covid. I was barely able to make ends meet. I stopped paying the maintenance fees around June 2020. My plan was to pay them a lump sum at the end of the year, when things go back to normal and my financial situation improved. Government advised things would go back to normal but unfortunately this didn't happen and I ended up in a lot of debt. I even had to sell my car to pay back money I had borrowed from family members. I live alone and this whole pandemic situation has really affected me mentally. To make matters worse, because I wasn't able to pay the lump sum as I originally had planned, the management company consulted a solicitor (Realty Law) to help them recover this outstanding debt. The initial debt was £596.00 + £36.15 for interest (no idea where this interest came from). The solicitors have now added on legal fees of £721.50 increasing the total debt to £1353.65. I contacted them via email and offered to pay £50 a month for the time being until I can improve my financial situation, at which point I would pay them more. Their response was the following: 'Our client has advised that they cannot honour a payment plan for that duration and therefore we have been instructed to continue our recovery process and request judgment if payment has not been made by 2pm on 29th October 2021. As such, we request that you please make full payment of £1353.65 as per the attached arrears schedule by 2pm on 29th October 2021. If payment or correspondence has not been received by then, then we shall be continuing with further recovery action and issuing a county court judgement (CCJ) which will incur additional fees. You are entitled to seek your own legal advice.'   The whole idea of court proceedings and CCJs and ADDITIONAL FEES has really elevated my anxiety levels to the point I am struggling to get to sleep at night. I borrowed money from family members and used some money that I had saved to pay off the initial £596.00, but its not possible for me to come up with the £700+ for the solicitor fees by 29th October. How is it even acceptable to charge someone £700+ in legal fees for a few letters?    Can someone please give me some advise on what on earth to do or who on earth I can speak to. I am desperate here.  Any advice would be greatly appreciated. Thank you in advance  
    • Please also take photos of the sign at the entrance as well as any signs inside the car park especially any that are different. Please take them from a distance where we can read them and if there is a payment machine, the sign on the machine or very close to it that explains their T&Cs for the machine.
    • Thanks for getting the signage posted up so quickly. The sign on entry should explain their T&Cs. As they don't it means that  what they have given you is  an offer to treat, not a contract. For there to be a contract they would have had to put their offer at the entrance.  You cannot put a notice saying that their T&Cs are inside the car park and expect motorists to be subject to those T&Cs when they are unaware what the terms are.. They have to be able to read them and understand them before they can accept them. My feeling is that the sign that includes the charge of £100 is too small to be acceptable On top of that the sign at the entrance is for Parking Control Solutions while the signs inside are from HX Management-a completely different animal. To strengthen your case for not paying them is the fact that their PCN is not compliant.  Under the Protection of Freedoms Act 2012 there are certain wordings in  the NTK  that by Law must comply with the Act. They don't  have to quote that part of the Act in their PCN but the relevant wording has to be included. PoFA Schedule 4 paragraph 9 [2]   the notice must  [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;   Your  NTK does not include  [if all the applicable conditions  under the Schedule have been met ]thus rendering the NTK non compliant.  
    • I agree its about time but why has it taken for the National Crime Agency to flag this up for then to take action and not Ofcom.   Yet again a Government Agency that is meant to deal with this hasn't Ofcom but flagged by another Agency NCA.   If the telephone companies have this facility in place already to do this then why hasn't Ofcom been pushing them to stop all these scam calls and giving them massive fines for not doing so.    
    • Hi   Send this to them:   Dear Sir/Madam   Formal Complaint   Reference:            (insert their complaint reference number here)   Thank you for your response letter dated XX/XX/2021 which I received by email on XX/XX/2021 that contained your Original Email sent that showed due to your Maladministration that you had sent the Original Email containing my Personal Data to an incorrect email address due to spelling errors in the email address.   a)      Due to this Maladministration of this email being sent to the incorrect email address this email contained my Personal Data which is a Data Protection Breach therefore I require clarification from yourselves that this Breach has been reported to your Data Protection Officer and what action is being taken to ensure that my Personal Data contained in that Original Email has not been read by the recipient that you sent that email to with the incorrect email address.   As the email was sent by yourselves to my correct email address containing the original email showing the incorrect email address was due to spelling errors (maladministration) your IT Department will be able to obtain those emails sent.   If I do not get a satisfactory response that this has been dealt with by your Data Protection Officer, I will report this Data Breach to the Information Commissioners Office (ICO) https://ico.org.uk/make-a-complaint/   b)      Due to this Maladministration I failed to receive your Stage 1 complaint response within the allocated time limit for a Stage 1 response therefore this complaint should be dealt with as a Stage 2 Complaint and if you refuse to treat this as a Stage 2 Complaint, I require Full Clarification for your refusal.   I was placed in this Tenancy via the Rough Sleepers Initiative and I find your response about damaged/destroyed items that you would not be able to look into this as this happened 2 years ago but all tenants regardless of private or social housing are responsible for arranging their own contents insurance totally unacceptable as again, I was never notified nor informed of this requirement on taking up this tenancy.   I require clarification from yourself that when a New Tenant takes up a Tenancy Agreement with yourselves why are the not informed of this requirement of Contents Insurance which you should be duty bound to inform all tenants on taking up a tenancy agreement if such a requirement and it should also be noted within that tenants Housing File which you have full access to as dealing with complaint so I require clarification as well if this is noted in my Housing File.   You state multiple properties throughout the area were affected by sewage flood on the same day and the issue will have stemmed from the mains which is not your responsibility.   a)      You have failed to take into that the above statement from yourself blaming the Mains is without any actual evidence from yourselves to back up this claim therefore I require clarification as to what actual evidence you have and to be provided with copies.   b)      You also failed to take into account that in my initial complaint letter that on 12th July 2021 basement flats 1 & 2 were flooded by sewage exacerbated by blockage in the property’s drainage. The blockage has been confirmed by two contractors after the flooding including CCR who were subcontracted by Pyramid Plus that it was the properties drainage that was blocked. Also, while I was decanted from this property, I was contacted by CCR who confirmed that the drain was blocked but they could not access manhole as it was inaccessible as it is located in a utility cupboard underneath carpet, floorboards so how could this be the Main and not your responsibility when it is within the properties boundaries.   Your response about how complaints have been made by residents in relation to this issue is that your system does not allow you to find that information is completely unacceptable as your Housing Association should be able to produce these as part of ongoing repairs and maintenance/procurement processes to present these to your Board for there yearly Budget meeting if not why not.   Then you state you are under no obligation to share that information; therefore, your organisation is not being Open and Accountable to your Service Users and under which Article of the General Data Protection Act (GDPR) are you using for this refusal.   You have also failed to mention that I can make that above request under the Freedom of Information Act (FOI) and what is your process for such a request again not being Open and Accountable.   I await your response.
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Barclays Litigation Team Good or Evil? You Decide..


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Im currently liasing with Tom Hickey. Spoke to him for the first time yesterday, he was very polite and helpful.

 

He did query my charges from 1999 stating the Limitation Act and asked was I prepared to remove that part of my claim. I said no and and I advised him I was claiming for the full amount.

 

I faxed him a copy of Section 32b and stated I would be using something similar in my court bundle to counter their argument.

 

He did say he was unaware of this section but would read up and see what I have to say.

 

Im expecting a phone call in around two weeks.

 

TCOM

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TCOM,

 

You're the lucky one. I'm 'liaising' or rather NOT 'liaising' with Paul Quinn. Wo'nt respond to any of my emails. I'm just thinking it's better off going to court. I'll show the judge all my emails and all his (lack of) responses. Better still if they don't show because I'll go for wasted costs. Good luck with yours. When's your court date?

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Stagey, you're on line I notice. How did you get on with speaking to the court about your prelim?

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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You're the lucky one. I'm 'liaising' or rather NOT 'liaising' with Paul Quinn. Wo'nt respond to any of my emails.

Same here EIE.:mad:

 

No semblance of a reply from PQ after 10 days. I've just send him ANOTHER reminder, and TBH, I'll quite happily go to court. I'm not the party who's been unhelpful, uncommunicative and obstructive from day 1 !

 

;)

Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON

 

Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.

 

 

I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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*keeps her mouth shut .......*

says nothing about the pillow talk

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

"How do I...?" A Dummies' Guide to this Forum

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Please Donate if you can - help CAG help others

 

I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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OK One of A Kind! I'm with you on this.

 

I'll PM you with what I sent PQ. STILL DIDN'T GET A RESPONSE! My Reckoning is we plague Dino's inbox until he caves in? Anyway let me know what you think of what I sent and whether you think it's a good idea, as suggested above. Basically PQ does not get his letters of offer out. He'll get back to you when it's close, but he cuts it fine hoping you'll cave in. As if.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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OK One of A Kind! I'm with you on this.

 

I'll PM you with what I sent PQ. STILL DIDN'T GET A RESPONSE! My Reckoning is we plague Dino's inbox until he caves in? Anyway let me know what you think of what I sent and whether you think it's a good idea, as suggested above. Basically PQ does not get his letters of offer out. He'll get back to you when it's close, but he cuts it fine hoping you'll cave in. As if.

 

 

It might be a good idea to remind PQ that we are now in the throws of a postal strike... with more planned throughout the summer. he needs to get his finger out

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Ooohhh... just had a somewhat short email back from Dino, who has until now been very accomodating.

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/62298-boba-fett-barclays-bank-2.html#post940889

 

I guess it is a lesson not to forget who we are dealing with... Barclays Bank!

 

So anyone who has won contractual interest either in or out of court willing to provide me their details? If so, please PM me and we can talk further.

 

THANK YOU IN ADVANCE!

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I have just faxed my son's settlement letter - with very sincere thanks to Dino who pulled out all the stops - court date was for 3/7 - I'll only really relax when I hear the money is in his account - it's been an interesting journey and I must thank all those on this forum (not just this thread).

 

Ok - here we are 4.26 pm and the account has not yet been credited - Dino advised me this morning that it should be deposited by end of play today - problem - do I inform the court that we have settled? I have till tomorrow morning apparently - but what if they haven't - could I ask for an extra day or so in correspondence to the court to allow for the money to be deposited if mecessary??

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Hi, Tom Hickey settled, my court date is the 3rd July and money should be in before that morning......excellent thread....should be a sticky?????

Jennyx

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Tnook, you're not at the top of the pile yet....

 

I believe they're still working through July's dates.:(

Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON

 

Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.

 

 

I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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Hi, I beleive PQ is dealind with my claim I have left a message cos I am goin away Friday and won't get back until two days before court date . Dino told me my figures hsve gone to customer service to be checked shall I ring again( and maybe leave another message ) or keave it till he contacts me ?

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I have just faxed my son's settlement letter - with very sincere thanks to Dino who pulled out all the stops - court date was for 3/7 - I'll only really relax when I hear the money is in his account - it's been an interesting journey and I must thank all those on this forum (not just this thread).

 

Ok barclays say it will be deposited by end of play today - but nothing so far - the court says I have till tomorrow morning to advise them. If I fax the court tomorrow morning, can I requested a delay of a day or so to allow the money to get into the account (if it hasn't) without relinquishing 'the day in court' and having to resubmit a small claim to the court yet again plus the extra costs of course - I trust that makes sense. thanks

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Hi, am in EXACTLY same position. The court has said we can fax them as late as poss, our time is booked in and the judge wont see the fax till our court time. If we havent got the money,we should ask for an adjournment of a week to allow funds to land.

 

Jennyxx

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thanks for that - yes that is what I thought about doing - I debated with myself that if I politely asked for an adjournment for the funds to clear then the court could not possibly object - anyway I await my son to check his account this morning before I fax - which I will do around 10.00 - court case at midday!! Good luck

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Hi, I have my court date next week and I have still not had any contact from the bank. I rang up the litigation dept last week on the number I was given and no-one answered so I left a voicemail and no-one rang me back.

 

I just rang again now and they said that they have made their final offer (about 3 monthas ago and wasn't even a quarter of my claim) and that was it.

 

I asked them if they were going to court and she said yes as soon as they get the date. I explained that I got a letter from the court about 4 weeks ago and that the court date was next week. She said that she was not aware. She also indictaed that they would not be settling my claim.

 

It is only for about £900

 

What do you think I should do?

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Hello again everyone ! I beleive Paul Quinn (agh! ) is dealing with my claim but isn't answering his phone constantly on voicemail ! I spoke to Dino breifly yesterday and he said my claim was with customer relations to verify the amount . Is this good news does anybody know ? PLEASE !

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hi all,

 

What I have learnt about PQ (Paul Quinn) is that he does the job, he just doesn't like communicating with anyone.

 

Even after I received my settlement letter, and I emailed it back, asking for confirmation of payment, he didn't send a single email!

 

Maybe he is doing some form of sponsored silence or something! In which case - well done PQ, you must be raising a fortune (for the 'Children of Poor Bank Directors' charity!)

 

Peter

Sign my petition to the Prime Minister here:

PETITION

Thanks

Peter

 

!!!WON!!!

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good - they need your figures checked, and the money set for release before they send you the letter, mine was about a week after I heard that, 2 weeks before payment arrived in my account.

 

Peter

Sign my petition to the Prime Minister here:

PETITION

Thanks

Peter

 

!!!WON!!!

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