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    • Thank you for the summary you have given. I think you will need to commission a fully detailed point by point report which identifies the issues, the cause of the issues and then separately a quotation for resolving them. I think you need two quotations – comparative. Do you know the name of the person who owns TB plastering? Do you know their address? Do you know they have any assets? It sounds to me as if it's going to be quite an expensive job. On the basis of what you say, if you bring a legal action then you will have no difficulty getting a judgement in your favour the problem will be enforcing the judgement. What address do they use on their bill? You need to have a look at the land registry web check service for about three quid check to see who the owner of a particular property is. Of course you could simply wait until they decide to sue you and then bring a counterclaim but there is a big chance that they won't bother to sue and so it may be down to you to take your own action to undo the mess they have made. Come back here when you have found this out
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    • The first thing is to let the surgery know that you didn't enter your car registrtaion when you visited and ask them to confirm to Euro that you were a patient on that day and Euro should cancel. The quicker you do that before matters escalate, the more lkely that they will cancel. You could suggest that  they put up a sign reminding drivers to enter their vrm. thank you for posting the whole of the PCN which confirms that it does not comply with the Protection of Freedoms Act 2012 Schedule 4 Section 9 in two ways. [2][e] of S9 states (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges; Your PCN does not. All it does is to ask the driver to pay which is not enough. In addition under [2][a] the PCN should specify the period of parking. Instead it gives the arrival and departure times of the car as it passes the ANPR cameras which is not the same. That means that you as keeper are not liable to pay the PCN only the driver is now liable. Courts do not accept that the keeper and the driver are the same person so proving who was driving will be difficult for Euro.
    • Pro peace/anti war/anti-atrocity marches which included many Jewish protestors carrying banners (as previously linked)  decrying the atrocities of Israel and the IDF such as 'Not in my name' 'Never again to ANY people'   Although a very small handful of unconscionable Hamas supporters were among the many MANY thousands of pro peace protestors, even they displayed nothing like the hatred and violence demonstrated by the 100 or so far right rabble who attacked police, tried to attack the peaceful protestors and then attempted to violently breach the cenotaph itself. The pro peace/end atrocities in Palestine protests have remained largely peaceful despite ongoing atrocities by the state of Israel and the IDF.   Even today, unarmed starving civilians in a supposedly safe camp in Gaza were murdered by shelling and bombing from afar by Israeli forces, while violent Israeli settlers have forcefully deposed more Palestians from their homes and lands on the west bank with the aide and support of Israeli military forces - just as the Israeli forces are forcibly relocating civilians in Gaza with even more horrors, atrocities and violence. These atrocities by the IDF in Gaza include starvation, forced relocation, bombing homes, health centers and refugee camps, denying food water and medical support, murdering journalists and health workers and the mass murder of women and children  .. are growing alarmingly and horribly reminiscent of some of the similar but wider scale utterly monstrous genocidal atrocities by Nazis on the Jewish people, which makes these actions by Israel and the IDF even more unconscionable and deplorable.  
    • Hi all, I was wondering what peoples thoughts / advice is for my following situation. Unfortunately, I have been caught speeding on the m6 - 56mph in a temporary 40 zone. I did not realise that the speed for the current stretch I was on, was reduced to a 40, I knew that some parts was bought down to 50mph but not 40. Ultimately, it is on own fault for not being more focused at the time.  I was wondering whether anyone caught doing similar speeds over the limit have been offered a speed awareness course. My letter states that the records show I have not met the criteria for a speed awareness course, which I feel is harsh given this is my first offence & the threshold for consideration is upto 53mph as stated below, our speed narrowly exceeded the limit and falls within the guidelines set out by the National Police Chief Council (NPCC) up to: 31 mph in a 20 mph area 42 mph in a 30 mph area 53 mph in a 40 mph area. Could I argue that my speedometer is not entirely accurate as such I should be considered in the 53mph bracket above and considered for a speed awareness course?  
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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.
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Barclays Default. Unfairly Added.

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A few years back, i was a customer with barclays. May i just say at this point that i do not have any details of the account any longer.


I ran my account for around 2 years without any problems at all. When i first got the account i was 16. I got a job and barclays gave me a Visa card and what they called an "Account Buffer" of £50. All was running fine when i lost my job and had only a couple of direct debits on the account that would run into this buffer. I figured that this wouldn't be a problem and i would be able to pay this off without any problem when i gained another job.


Getting another job at the time proved to be somewhat of a problem and i cancelled the direct debits as they had hit £59. Barclays at this stage had never even sent me a massage warning me of the fact that i was in violation of their terms of their £50 buffer. two months later i received a letter from them stating that they had put 2 x £30 charges on my account due to none payment of the excess on the account buffer, at that stage i called in at my branch and they said i could do nothing other than pay off the account, still at this stage i could not afford to do this and therefore had to let it ride. Eventually they continued to charge me until the total hit £320, luckily for me at this stage i could afford to pay them off, i called them, at which point they told me that they had closed my account and had sold my debt to another company and that i would have to settle my claim with them.


Not long after this, i received a letter from this company demanding £360. I refused to pay that amount and eventually we agreed on a figure of £254 which i paid.


I hadn't realised until around 12 months ago that they had also actually put a default and satisfied on my account. I really don't think this is fair as my original debt with them was only for £9 which had i known i would get all these charges and bad credit for i would have got the £9 from somewhere and paid it.


I am currently stuck with a cash card bank account, no cheque book, no debit card, no overdraft, cannot get a decent credit card and have no chance of a mortgage, i am at a loss with this and really need some guidance as to where to go forward with this.


Thanks in advance for all of your help.


Christian Miles

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I'm in a similar situation to yourself. I'm also screwed as well. I was having some really bad financial problems with barclays, I mean I had an account with them for around 15 years, and look how they treated me! They closed my account, defaulted it, and passed it on to a debt collector. On top of all that they slapped on charges for late payments, missed ditect debits etc. I reckon my charges amount to hundreds of pounds, and I intend to reclaim that back from them.

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Hi Ripoffuk,


Sorry to hear about your problems also. To be honest i don't really care about the charges, it's all water under the bridge, i am in a much better position now and really don't need to few hundred quid in charges. The biggest problem i am facing is my credit record, because of all this i cannot even get a decent bank account.


I wish you all the best in your fight for justice.


Anyone else with any suggestions as to where i should take this next, please help me.


Kind Regards,


Christian Miles

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Well seeing as nobody has replied i guess i better keep this somewhere in view.


I have sent out the DPA SAR along with my £10 to barclays amd am waiting on the SAR to be received. Does anyone have any idea of the average waiting time for these to arrive? i assume not many people have had too many problems receiving these yet.


I have now pretty much clinically read through the whole of this site including the FAQ's and library so i think i am ready to take this one on. One question i do have though is has anyone been in a similar circumstance to me, i haven't held a barclays account for 2 years now and have been defaulted by them for that period of time (although i only found out around 12 months ago that they had defaulted me) i really want to know whether anyone has successfully had a default removed by barclays?


Speak soon,



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Depends what kind of direct debit you had. For example, a Sky subcription, or mobile phone contract, which means you enter a binding period of contract, incurs a "auddis" DD - an automatic DD. So if you try and cancel it, they are obligated to write to you to tell you they are reinstating it. Then they do. And the bank is under an obligation to honour it. so the real person you need to hound is the direct debit originator to verify with the bank that they did / did not notify you that they were taking the money out of your account (to enable you to inform them of different payment arrangements or different bank account).

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Christian,sorry you haven't had much input in this, but it loks as if you're doing rather well by yourself so far. :-)


I think you may well get more response in the default forum, as there's a few people in there who are far more sussed out about it than the majority who "only" reclain their bank charges. I certainly wouldn't know where to start with defaults, so tend to keep my nose out of it.


Keep us updated, even if you don't get responses, you'll be read by thousands over time, and every drop of knowledge helps. ;-)

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