Jump to content


  • Tweets

  • Posts

    • A full-scale strike at the firm could have an impact on the global supply chains of electronics.View the full article
    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Orge vs BC **WON**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3301 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Orge,

 

Looks simpler now, they will simply deduct the debt from the amount they agree to refund.

 

They won't agree (IMHO) to you repaying debt over 2-3 years. Nor could you get the debt written off (again IMHO) because they have the right to offset.

 

Because the chgs you are reclaiming exceeds the debt you owe, I can't see the debt's enforceability being relevant.

 

The only real doubt, as I see it now, is whether you can get them to pay the CI element of your claim. They are likely to take it right up to court (see Bookworm's thread).

 

Wait and see how BC respond just now, though.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • Replies 192
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

  • 4 years later...

Hi,

 

Bit of a blast from the past on this one...

 

Basically, there was a technicality on my court documents and i didn't successfully file for the charges back in 2007.

Since then, a few debt collection agencies have chased me but with little effect. I've made them all aware about the CCA situation, which was lacking several proscribed terms:

interest rate

credit limit

repayments

 

Barclays have sent the same agreement out to me a few times, with no resolution of the issue - each time taking the stance that their end is satisfied.

 

It's currently with an agency and I've suggested we might be able to come to some sort of arrangement, but it would have to involve removal of any adverse credit information from the point where I originally asked for the CCA. They're unwilling to accept this and seem to believe that the issues with the CCA can be challenged by evidence that I have received statements and revised terms and conditions. When we discussed this on the phone, he seemed to want me to admit that I received these? Has anything changed in this respect, since this thread started? I haven't seen anything about this?

 

Unfortunately, I believe most of the charges have timed out, so the CCA argument is prob my best opportunity to get this resolved. Additionally, Barclaycard did make an ex gratia payment for some of the charges, although I never acknowledged this. If possible, I would like to have the default removed since this occurred long after the original CCA request. I appreciate that this may not be legally possible and could probably only be achieved through an out of court settlement, if there legal position is weak.

 

Any advice greatly appreciated.

 

Thanks,

 

J

Link to post
Share on other sites

Hi Orge,

 

Have all the default charges been repaid in full, regardless of whether you agreed to this or not.

 

Many site users have taken BC to court and won back all their charges plus interest in restitution, INCLUDING charges older than 6 years.

 

It is my understanding that a DN which included default charges (previously referred to as penalty charges) is inaccurate and should be removed although the banks and their DCA's are always unwilling to do this.

 

Arguments about credit agreements and enforceability have moved on significantly in the past few years. In short, if they have a credit agreement lacking the Prescribed Terms, it should be unenforceable in court action but the creditor is still able to pursue payment by other means.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

That's interesting news. :)

 

From my recollection, Barclaycard refunded part of the difference between the charges and their more recent reduced rate. This quite a small sum compared to my original claim, which included CI. I don't believe I contacted them either way to accept or refute this offer and it was paid direct into my account. There was an accompanying letter that said the usual sort of stuff - full and final settlement etc.

 

Ok, what's the score with interest and claiming over 6 years? Are there some recommended threads I could read up on these?

 

I believe I still have my POC and schedules filed somewhere, so it should be relatively straightforward to update and progress this down that route.

 

As things were, I would have chucked them a bone to have the default notice removed. However, if they're gonna stick on "principal", I'll take a payout along with that result!

 

J

Link to post
Share on other sites

Read some of the ***WON*** Barclaycard threads here - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

Also see here :-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?310751-Barclaycard-Charges-Reclaim-***WON***-with-compound-interest-and-no-set-off-!!

 

I suggest you prepare an up-to-date spready using 24.9% as a nominal compound rate for interest in restitution. Adjust the spready figure to show the total amount of charges they've already refunded, leaving a net figure which you will now claim.

 

Then send it to BC with a Prelim Claim letter as if it was a new claim.

 

I see no reason why they should not repay the charge in full plus compound interest in rest'n, less the partial refund.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Yes, if you want removal of a DN to be a part of your action, mention it in the Prelim Reclaim letter and the LBA.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

cool!

 

It looks like Barclays have actually sold the debt - is this allowed whilst a credit agreement is deemed unenforceable? I know it's not allowed whilst the debt is in dispute.

 

I assume that the right place to begin legal action is with the current agent, rather than Barclays themselves?

 

Thanks,

 

J

Link to post
Share on other sites

Hi Orge,

 

See my comments in the last para of post #54 above.

 

The bank may have broadly complied with your CCA request, even though the credit agreement is lacking some Prescribed Terms. This means the bank or subsequent DCA's may not be successful in getting a court judgement in respect of the a/c. But they can still pursue the debt.

 

I would pursue the issue of default charges and DN removal with BC direct, and not the current owner.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 2 years later...

Hi,

 

Revisiting this and determined to sort it once and for all this time. In the past, it's seemed like a low priority, as my main drive is for a clean credit file and I have had 2 other defaults with Barclays. However, these are due to drop off in the next 9 months and it would be great to remove this beforehand.

 

I've already SAR'd barclays for the relevant details and I'm ready to start down the claim route again. However, the situation is a little complex and I would like to make sure there aren't any pitfalls. These are the main details that I feel are relevant:

 

  • Account was closed in 2010 and a default registered at this point
  • Final balance was £500 in debt
  • Last payment/acknowledgement was 2007 and the debt is currently statute barred
  • Account has since been sold to a DCA who are "threatening" legal action
  • A previous CCA revealed that barclays don't have a valid agreement (missing some proscribed terms)
  • £1100 of charges were levied between 2002 and 2009
  • I began a claim for some of these in 2007, but it did not go all the way to court.
  • Barclays made a good will offer of £350 and directly credited the account.
  • I never contacted them to accept this in lieu of the full claim amount.

 

My concern is that the majority of these charges are now very old (only £250 are within the last 6 years and £800 within 6 years of the default date). I understand that since McGuffick it is now necessary to prove that a default is entirely comprised of charges to have it removed? Consequently, it looks like I would need successfully argue the old charges and/or compound interest. I also believe that making a claim will restart the clock on the statute of limitations, so I want to be clear about my options and chance of success before I head down this route.

 

Additionally, I have 2 other defaulted accounts with Barclays. One is settled, but the other has an outstanding balance (£2k), but has also been sold to a DCA (I have a copy of the reassignment letter). This debt is close to becoming statute barred and dropping off my credit report. In the even of a win, I'm curious whether Barclays would still be able to set off against this account. Given that it has been reassigned, I suspect they may have a problem with this?

 

Finally, with CI and going back to the oldest charges, the claim could be >£5k. Am I right in thinking that the small claim limit has now increased to 10k since 2013?

 

Thanks in advance,

 

James

Link to post
Share on other sites

I've just been looking through the letters which were issued in the run up to termination of the account and there are actually two default notices. One in 2007 and a later one in 2009!? The default on file is 2010...

 

I believe that the initial default in 2007 was not registered because their charge refund hit my account 4 days before last date for corrective action. However, I'm not sure why the default was registered nearly 9 months after the second letter. As stated previously, my last payment was in 2007.

 

I guess this could give me leverage to get the CRA to change the default date to 2009, which would mean this debt will expire about the same time as the others? Anybody know if there is also a case to get it put back to 2007?

 

Thanks,

 

James

Link to post
Share on other sites

Hi Orge,

 

What worries me with your case is that BC repaid the £350 several years back in settlement of your claim. Although you neither accepted or declined it, you accepted it by default.

 

If you wanted to pursue the matter and continue to seek the full amount of the charges plus simple or compound interest, you should have gone back to them years back. By failing to address the matter in a prompt and timely manner, you may have compromised your chance of success considerably.

 

In theory, you could now seek a refund of the charges plus compound interest and simply deduct the amount of the refund from the amount you claim, as a manual adjustment to the bottom-line figure on your spreadsheet.

 

No doubt, the debt would be far smaller than the amount of the refund you'd claim, so you would be in a strong position to have the debt erased and all negative CRA data removed. Even if you looked to compromise and have the debt and negative CRA data removed, that would surely help in cleaning your CRA files.

 

If you started the claim process again, you would have to follow it through with no delays. However, you need to give this very careful thought first.

 

Do you know when this a/c would be considered as Statute Barred.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

My post above was made before I saw your post #62.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

No worries. I totally understand that I've not helped my case by sitting on this.

 

Last payment and acknowledgement of the debt by myself was 2007, so the debt should already be statute barred. However, as detailed above, there are several years between this payment and the default being registered.

 

Thanks for your help. :)

 

J

Link to post
Share on other sites

Looking through the letters, it's become clear why the debt wasn't defaulted earlier. There are several letters to notify that they are going to set-off against my bank account throughout 2008. These end when those accounts were terminated and the barclaycard account then also progressed to termination. No termination letter has been supplied though, so I'm not 100% sure when this actually happened.

 

Thanks,

 

James

Link to post
Share on other sites

Ahaa, so were they taking from the bank a/c to pay arrears on the BC a/c ?

 

If so, can you say for sure when the last amount was credited from your funds to pay the BC a/c.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Yes it would, although that's already over 6 years back.

 

Was a DN issued for the BC a/c before or after July 2008.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Well, there are three DN notices under CCA...

1 before July 2008:

November 2007 (refund from charges hit the account before the final date)

 

Then 2 afterwards

October 2008

April 2009

 

Thanks,

 

J

Link to post
Share on other sites

Just had another thought...

After the original claim, there are more charges that were never part of that original restitution. With compound interest, these already amount to more than the default, although a few are a little over the 6 year mark.

 

From my original poc, I recall that it's possible to suggest several alternatives and leave it to the judge to decide. Even with no CI and only the recent charges, I would only be a little out of pocket in the event that a judge ruled against both these points. In my opinion, this is a minor risk and it's worth it for the chance to remove the default.

 

J

Link to post
Share on other sites

Couple of questions:

1. Can a statute barred debt become unbarred by making a payment/acknowledging? I think the answer is no, it's barred forever once the 6 years has elapsed. However, it would be good to confirm.

2. Would they be able to set-off against my overdraft debt and, if so, would this reset the clock on that debt?

 

Thanks,

 

James

Link to post
Share on other sites

Hi Orge,

 

1. Once a debt is SB'd, that cannot be reversed by payment or acknowledgement.

 

2. This one is a little more tricky in my eyes. If you are reclaiming charges older than 6 years, arguing that the charges are not SB'd, then I can see merit in the bank setting off a refund against an older a/c balance.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Yup, if I was claiming older charges, I can see an argument for 2. I was thinking that the main argument against set-off would be that they sold the debt on some time ago.

 

You didn't mention whether setting-off would reset the clock, but I am presuming it would?

 

Thanks,

 

James

Link to post
Share on other sites

Hi Orge,

 

If the debt is now owned by a DCA, there is no right to set-off. However, if Barclays Litigation see a refund looming, they may well repurchase the debt so a set-off can be made.

 

If a debt is SB'd, the SB clock is not re-set by a set-off.

 

If a debt is not SB'd, then a set-off would re-set the SB clock. However, if the refund covered the amount, that would not be an issue.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...