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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Fixed Penalty Notice - Failure To Display Tax Disc


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Can anyone advise please:)

 

Road tax expired on 31/8 and went to the car at 8.10am on 1/9 to put the new tax disc on (purchased on 19 Aug) to find a fixed penalty notice had been issued at 8.00am citing "Failure to Display valid tax".

 

As the the new disc can't be displayed before it becomes valid ie, the first of the month, then if we had put it on the car the night before then that could also be classed as "invalid".

 

The facts are............

 

1. I live in Edinburgh and the fixed penalty notice was issued by "Lothian & Borders" police but not by a police officer, a traffic warden of the old school "yellow band on hat variety"(as opposed to a "Council/Private Parking enforcement officer.)

 

2. The new tax disc was purchased over the counter at my local Post Office so the "5 days" rule does not apply as that only applies to road tax purchased online, by post or telephone.

 

3. The car was parked on the roadway, not on a drive.

 

My OH is not happy and says we should appeal and I appreciate that technically "failure to display" is correct so am tempted just to pay and leave it at that.

 

We live in a quiet residential street which is closed at one end with no through traffic. It is very narrow and on street parking is free which attracts cars from nearby areas which have controlled parking, that is why you can't always get a space near the house. I say this because it's not a street that usually attracts traffic wardens, I can't recall the last time I saw one!

 

It seems unfair that by supporting my local post office and buying the road tax in person I don't get the extra advantage of those buying online or by telephone.

 

I would hate to have a failed appeal and end up paying out more than the £60 penalty already issued but I don't know these things work?

 

Do you pay the penalty then appeal or if you don't pay does it go to court automatically?

 

My question is should I put this down to experience or it be worth appealing the fine?

 

Thanks in advancesmile.gif

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I would appeal on the basis that you had purchased a VED and it seems unreasonable to serve you a PCN basd on that timing. I am not sure how, in law, this officially stands, but I can't see how anyone would uphold it in these circumstances.

 

On your point though, I am not sure why you think you can't display your new disk immediately. The disk only shows an "end date", not a "start date". I always install a new disk immediately on purchase, that way if a CEO observes it, I am showing a valid VED within date and if I go through a ANPR camera it is checking against the database, not "looking" at my disk. In future, if I were you, stick in the screen as soon as you get it.

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Hi Roxysiren,

 

A couple of corrections first - your new tax disc was valid from the day you bought it & could have been displayed at anytime up to the end of the month. There is no requirement to wait for the 1st day of the following month. With respect, you would not be expected to wait up until midnight of the last day of the month to affix the new disc.

Also paying for a tax disc online/telephone does not afford any advantages over doing so at a post office. There is no '5 day rule.' This is merely the period specified in receiving the disc following application.

 

Yes you have committed an offence in failing to display but by any stretch of the imgination to issue you with a FPN under the circumstances described is an extremely harsh & unreasonable decision on the part of the traffic warden.

I would have no hesitation in appealing, you have nothing to lose in doing so - after all they can only say no. Even then I personally would risk a hearing in court as I don't believe the PF would allow it to get that far.

Having said that, these are only my opinions - any action you take is of course your decision.

Appeal the FPN & see what develops.

 

Good Luck!

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There is no '5 day rule.' This is merely the period specified in receiving the disc following application.

 

 

There is a "5 day rule" meaning if you purchase online upto and including the last day of the month, you are allowed the 1st 5 days of the month to be displaying your old invalid disk whilst awaiting the arrival of your new disk by post. If you are issued an FPN during that time, evidence that you have purchased online will negate the FPN

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Crem, you are wrong there is no such thing, no grace period for displaying road tax no matter when you purchased it.

Roxysiren no harm in appealing, you never know your luck, it is the ones that dont pay at all they are after.

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Crem, you are wrong there is no such thing, no grace period for displaying road tax no matter when you purchased it.

Roxysiren no harm in appealing, you never know your luck, it is the ones that dont pay at all they are after.

 

Sorry Raydetinu, you are incorrect:

 

If you prefer to tax in the last few days of the month, there is now an exemption from the offence of not displaying a tax disc. This exemption covers the first five working days of the month and allows time for the new disc to arrive in the post.

from Tax your vehicle online or by phone : Directgov - Motoring

 

 

and

The first of the changes has come about because DVLA has found that towards the end of the month, many motorists taxing their vehicle online or by phone do not complete the transaction when they realise that their tax disc may not be received in time for the 1st of the following month. As a result, from the 1st of September 2008, those buying their vehicle tax online, by phone or by post will be able to legally continue to drive their vehicles for up to 5 days while they wait for their new tax disc to arrive. This will only apply where the new tax disc has been applied for before the current one expires and motorists should continue to display the expired disc on their vehicle, until the new one arrives. This will be of great benefit to those motorists who have to leave buying their tax disc until the last day of the month, because they are waiting to be paid. They can now still do that, but also get the benefits of taxing online, by phone or by post.

from DVLA ? Improved Customer Service

 

 

It was implemented as an incentive to get people purchasing online I believe.

 

H

 

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Does seem I am wrong applogies all round; also found this!

What About The 14 Days Grace?

 

If your vehicle licence has expired there is an understanding that you may continue to use the vehicle for up to 14 days. However you must apply for a new licence within the 14 day period and licence it from the expiry date of the previous licence. If proof that a complete application has been received at DVA, before taking a vehicle on the road, you will not be penalised for driving without a current Vehicle Licence or for failing to display one.

The 14 days period of grace is a concession. In law a current licence must be displayed at all times when the vehicle is on the road.

 

 

 

 

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Does seem I am wrong applogies all round; also found this!

What About The 14 Days Grace?

 

 

That is why we have these discussions in an open forum rather than private messages so that we can all see the posts and comment on, or correct statements, where we feel necessary.

 

We all learn something new on these boards every day (well I do anyway) so I don't see that you have anything to appoligise for raydetinu

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That is why we have these discussions in an open forum rather than private messages so that we can all see the posts and comment on, or correct statements, where we feel necessary.

 

We all learn something new on these boards every day (well I do anyway) so I don't see that you have anything to appoligise for raydetinu

 

I agree with this, I have been wrong several times and the beauty of an open forum is that there is usually someone to critique the advice given!

 

 

As for the OP, i'd be contesting this as you clearly had the tax disk and you replaced the old one with the new one ON THE DAY the new one started.

 

It sounds to me like some trafficwarden/etc. trying to make a quick catch to up their stats/commission/other incentive!

 

H

 

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Thank you all for your replies:)

 

Until this happened I have never considered displaying two discs at the same time, or to display the new one before the old one expires. Reading the information on the DVLA website that still appears to be incorrect:-

If your vehicle is taxed

You can apply from the 5th day of the month in which your current tax

disc runs out. Your new tax disc will come into force on the first day of

the next month and you should not display it on your vehicle until then.

 

It seems unfair that by supporting my local post office and buying the road tax in person I don't get the extra advantage of those buying online or by telephone if they happen to still be waiting for the new disc to arrive in the first few days of the month when technically they too are displaying an invalid tax disc.

 

The "14 Days Grace" article posted by raydetinu seems to be from Ireland so would not apply to Edinburgh.

 

I does seem I have suffered at the hands of an over zealous warden and feel I should appeal but am concerned if I failed that I would end up paying out more than the amount of the original penalty.

 

I am unsure if I appeal by sending a letter to the warden department or do I have to go directly to a court case.

 

Thanks :)

 

 

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The "14 Days Grace" article posted by raydetinu seems to be from Ireland so would not apply to Edinburgh.

 

I does seem I have suffered at the hands of an over zealous warden and feel I should appeal but am concerned if I failed that I would end up paying out more than the amount of the original penalty.

 

I am unsure if I appeal by sending a letter to the warden department or do I have to go directly to a court case.

 

Thanks :)

 

 

 

The "14 day grace" period does appliy to England / Scotland, but as has been stated it is a courtesy rather than anything. You still are not allowed to use a vehicle without tax or a valid disc on the road.

 

Personally, I would be appealing this AND involving the local press.

 

H

 

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If I were you there is no way I would take this FPN and "learn by it" or whatever.

 

I would submit an appeal asking for it to be revoked immediately and include the DVLA webpage showing that you shouldn't display it before it becomes valid. I would include proof of purchase and a photocopy of the VED disk as well. I cannot see any way that an adjudicator would support the issue of this fine.

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Seeing as I started this, is there room on that naughty stool for two reydetinu?

Profuse apologies all round from me also & thanks crem & heliosfa for putting the record straight. This has come as a surprise to me & as you say crem, just goes to show you do learn something new every day.

 

Ok then, but how is this exemption/concession working out in practice?

How are wardens differentiating between vehicles displaying an expired VEL where a renewal has been purchased on line etc for one, and another where the renewal has been purchased at a post office? Are there any guidelines/codes of practice operating here?

 

It appears the OP would have received a FPN irrespective of the method used in purchasing the tax disc. I'm sure the traffic warden neither knew, checked nor cared whether a current VEL was in force, (albeit not displayed) nevermind how it was purchased.

 

What is the point of the exemption for tax purchased online etc, if the motoring public still run the risk of being issued with a FPN a second into the 1st day of the new month by over zealous wardens. Ok, the FPN can be quashed on appeal but what a cumbersome unnecessary hassle & inconvenience for all concerned.

If you purchase a tax disc online/by phone/by post & are issued with an FPN within the exempt period, it seems to me you may just as well totally ignore it as no prosecution should follow anyway - how many however would be willing to take that chance?

 

I now also understand & echo the OP's concerns at the discriminatory unfairness of this two-tier unjust system insofar as it relates to those purchasing tax discs at a post office.

 

A can buy his/her tax on line at the end of the month, display an expired disc with impunity up to 7 days into the new month & be exempt from prosecution.

B renews his/her tax disc half-way thro' the month of expiry at a post office, fails to display it on the 1st day of the new month for whatever reason, & is immediately penalised & liable for a £60 penalty. Just doesn't seem right somehow.

 

Roxysiren, I would most definately appeal -double underlined.

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On your point though, I am not sure why you think you can't display your new disk immediately. The disk only shows an "end date", not a "start date". I always install a new disk immediately on purchase, that way if a CEO observes it, I am showing a valid VED within date and if I go through a ANPR camera it is checking against the database, not "looking" at my disk. In future, if I were you, stick in the screen as soon as you get it.

 

Hmmm. You learn something new every day as I didn't think that was possible. Imagine the following scenario.

 

You buy a car Jan 1st with no VED disc.

 

You purchase 12 months of VED on lets say the 16th of January.

 

The end date on the disc is January 31st of the following year.

 

So you're basically saying you can display that disc immediately which ultimately gives you 12.5 months of VED for the price of 12????

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As Joe Public, we cannot pay for a disk to start 1/2 way through a month, so as kiptower says, you would loose 1/2 a month if you bought it on the 16th rather than gaining 1/2 a month.

 

The exception to this is if you buy a new car on say the 25th, the dealership are able to pay for the additional days on a pro rata basis so that you new disk will run to the end of the next full month (next year)

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Given the wave of selective postal strikes sweeping the country with reports of millions of letters stacked-up & people not having received mail for 10 days, I can't help but think of how this is affecting those who have applied online/by phone/by post to renew their tax & are still awaiting delivery of their discs. The DVLA exemption only allows for 5 working days to continue to display the expired VEL.

Can we trust the system to allow for the effects of the strikes & the wardens of this country (particularly in Edinburgh) to be sensible about this & perform the necessary checks before issuing FPNs?

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Hi everyone!

 

Personally I find it incrediblly ridiculous that any official in their right mind would issue a ticket at 8am the morning after the old disc expired! Was the old disc still displayed at the time? I think any court would laugh this out the door if it gets that far but I think when you appeal it (as you most certainly should), then it wont.

 

Regards, Sam

 

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Hi everyone!

 

Personally I find it incrediblly ridiculous that any official in their right mind would issue a ticket at 8am the morning after the old disc expired! Was the old disc still displayed at the time? I think any court would laugh this out the door if it gets that far but I think when you appeal it (as you most certainly should), then it wont.

 

Regards, Sam

 

 

Yes, the old disc was still displayed.

 

I have sent off my rquest for cancellation of the FPN and will report back on the outcome when I know.

 

Thank you all for your comments and advice and hopefully other people will find it helpful should they search with a similar question.

 

:)

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