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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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DVLA : Important info-new rules from 2011 for insuring vehicles that are off road.


MARTIN3030
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From 1st.January 20011,if there is no record on the MID (Motor Insurance Database) showing a vehicle is insured,which has not been declared as off road by a Sorn,the registered keeper will recieve a warning letter advising of a fine,prosecution,or clamping.

 

All vehicles that are not registered by SORN -even if they are not being used are included.

 

Vehicles that are Sorn registered remain unaffected,and there remains no requirements to insure the vehicle.

 

More details;

 

http://www.direct.gov.uk/en/Motoring/OwningAVehicle/Motorinsurance/DG_186696?CID=Continuous_Insurance&PLA=DM&CRE=Furl

Edited by MARTIN3030

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 was under the impression it was from 1st.January 2011.

Maybe they will tell on the MID website.

I got wind of it with a notice included in my renewal forms this week.

Presumably its being sent out now with all of these.

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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Vehicles without a SORN have seen enforcement action taken for being unlicenced-so I think they will be using that database-but maybe they will all be configured together to give them recourse for enforcement action more speedily.

They already have most angles covered.

Maybe this is being introduced for those whose vehicles DO have Tax and MOT but have not been declared Sorned.

Its a pain for those who may have temporarily taken their car off the road for example because needs work or parts and cancelled their insurance pending that being sorted.

This means now that they will have to Sorn the car whilst awaiting that or else keep insurance in force.

For a motorist who is paying £50-£100 a month for insurance its a blow.

MID say that unisured drivers cost the UK more than £500 million a year.500 vehicles are seized every day.

300,000 offenders are convicted for uninsured driving every year.

But the new rules do not distinguish between a motorist whose car is genuinly off road uninsured to someone driving up the road while uninsured.

Surely the ANR the Police are using already can identify those real offenders.

Looks like another potential backdoor earner for the Government.

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 wonder if that is the reason for the delay implementing it, plus the differences between the requirements of the Vehicles Excise and Registration Act 1994 in respect of vehicle licences, and Road Traffic Act 1988 in respect of insurance.

Currently a vehicle that is not on a public road can be SORN under V.E.R.A.1994, but if that location is a road or other public place under R.T.A.1998, insurance is required.

 

We've just renewed our insurance and nothing in the paperwork about it, I would think there would be some information/advertising from the government if it was happening so soon.

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  • 1 month later...

It seems that the DVLA will be in charge of Continuous Insurance Enforcement with all th problems that will bring.

 

I wonder how they will cope with a neighbour's land rover. He uses it intermittently for "Mud Plugging" and only insures it for those occasions. For the rest of the year he allows me and several others to use it on our own "RTA only" insurance (You bend it you mend it).

The present wording of the law cannot cope with that just as it cannot cope with hire cars that are only insured during the hire period and lease hire cars where the registered keeper has the responsibility to insure but is not the owner and therefore does not give a damn if the car gets crushed. The latter have special provisions made for them but what will happen to the owners of classice and vintage cars that are only insured for the dutation of the events and where the car is tax exempt. It is a cock-up waiting to happen and the DVLA will no doubt take full advantage in the issuing of penalty charges.

The continuous registration debacle was supposed to bring in £30,000,000 a year but actually costs the taxpayer £18,000,000.

When your insurance ends mid month are your prohibitted from using the car for the first half because it must be SORN'D for the whole month or are you allowed to use it up to the last day of the insurance and only SORN it at the begining of the next month?

There are too many pitfalls that will be used to make the motorist pay more.

I am waiting to see who is the first to post about geting "fined " for no insurance.

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Another minefield.....you buy a new car, park up the old one in your drive which still has tax and test left.

Cancel that insurance and transfer to your new vehicle while you try to sell the old one 'taxed and tested'.

Under these rules you are now liable unless you sorn and send back the tax disc.

No refunds for part months but the new buyer must tax it from the beginning of the month so potentially the government get 2 months tax for the single month.

Yet more money grabbing ........how they can keep banging on about honesty when they pull tricks like this beggars belief.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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That's one of the problems, the proposed s.144A, Road Traffic Act 1988 introduces the offence of keeping a motor vehicle which does not meet insurance requirements, as against using a motor vehicle - s.143:

 

s.144A (1) If a motor vehicle registered under the Vehicle Excise and Registration Act 1994 does not meet the insurance requirements, the person in whose name the vehicle is registered is guilty of an offence.

 

It then has sections on how a vehicle meets those requirements, but again, except in sub section 5, does not mention 'use', only 'vehicle'.

Edited by Raykay
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In this years accounts for the year 2009-2010 the DVLA admit that the Vehicle register is only 97.1% accurate ( 96.7 previous year) which means that there are about 1.25 million vehicles whose record is inaccurate. That probably accounts for the majority of the so-called uninsured vehicles on the road. the rest are hardly going to be put off.

 

A young lad buys a very cheap car for cash with ten months MOT and tax then gets someone with a declared interest to insure it RTA only for a few pounds and lo and behold it passes all roadside checks. Only the lad driving is not insured. and already banned so TWOCing is not a problem to him but the insurance companies are loosing out.

 

For this when my insurance on the camper van runs out on the 27th June and i don't use it again untill September. My choice is simple, either I cease to use it for the last three weeks and SORN it or re-insure. either way I lose out. I would normally leave it taxed and only insure for the next outing.

 

The insurance companies are laughing all the way to the bank and the DVLA are waiting to pounce with the proposed £1000 penalty charge.

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  • 2 weeks later...

Can't see this is legal even. What if the vehicle is under foreign insurance? It is still insured and quite legal. If someone else has insurance to drive it then again the vehicle is covered by the minimum legal requirements. I see this as a big con and will not stop the problems that should be addressed. Just another tax on the public for cash strapped government.

 

Basic third party insurance and road tax could be on fuel. That way if you buy fuel you have road tax (VED) and third party cover. If people want fully comp then they have the option to pay for this. Problem solved and 90% of DVLA staff could given more appropriate positions, e.g. pot hole repairing. That would keep them very busy for years to come.

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Problem solved and 90% of DVLA staff could given more appropriate positions, e.g. pot hole repairing. That would keep them very busy for years to come.

 

I'd rather just see them all lying in the road filling the pot holes, much more useful then. ;)

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Thanks for the link mm.

There was some confusion as to when it was actually starting.

Even the media is confused-I heard one radio station reporting it was from April 1st.

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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Yes agreed.

Especially in consideration of those enthusiastic traffic wardens.

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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Yes agreed.

Especially in consideration of those enthusiastic traffic wardens.

 

Well for a traffic warden (or similar) to see it, then that would suggest the car is being used on the road without valid insurance, which I fully support. The ones I am concerned with, is the many people who chose to take their car off the road, and do not for one moment consider the need to keep it insured.

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No I was thinking about those who maybe live on council estates and are not using the car for one reason or another.

I know someone who has one parked outside his place and is waiting for insurance claim after someone ran into side.Tax is still ok but he has cancelled insurance since its not being driven.

I informed him yesterday of the new rules and he didnt believe me.

I agree with concerns over those uninsured who are driving-but theres already a very good chance these will be caught bt existing measures such as ANPR.

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 agree with concerns over those uninsured who are driving-but theres already a very good chance these will be caught bt existing measures such as ANPR.

 

Hence, we always come back full circle to the question; what the hell is the new rule for?

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Good question.

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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No I was thinking about those who maybe live on council estates and are not using the car for one reason or another.

I know someone who has one parked outside his place and is waiting for insurance claim after someone ran into side.Tax is still ok but he has cancelled insurance since its not being driven.

I informed him yesterday of the new rules and he didnt believe me.

I agree with concerns over those uninsured who are driving-but theres already a very good chance these will be caught bt existing measures such as ANPR.

 

 

if its parked on a council estate, its still on the public highway so would need ins, even before this rule

 

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money grabbing rule.

I have read the act am I right in thinking that you will get a fixed penalty for not having insurance or will you also get points etc?

 

If it was your car Tommy I think prob yes you would get both,

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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money grabbing rule.

I have read the act am I right in thinking that you will get a fixed penalty for not having insurance or will you also get points etc?

 

Fixed penalty only (no points unless you're caught using it - same as now) but re-read the relevant part of the Act again. Carefully, and think "SORN fpn cos DVLA lost the form / Interpretation Act". Only, you don't need to think "Interpretation Act" because they've actually repeated the relevant part of that Act into the new legislation! Of course, sending cash through the post unregistered isn't normally recommended........ ;)

 

Pretty unenforceable IMHO. At least the first time you're caught - note that they only "may" offer an FPN in lieu of prosecution, so making a habit of having bundles of tenners lost might not go down well.

:!:Nothing I post should be taken as legal advice. It is offered as an opinion only.:!:

 

This warning is in my signature because I'm not organised enough to remember to type

it in every post.

 

And you're considering trusting me????:eek:

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My Old man has an old Landie, that he takes of the road and SORNS, it is on private property, not that the SORN notice askes you where you are keeping your vehicle, it is now insured under a multicar policy, however we do not think that it is fair that the DVLA only reimburse you a portion of the tax disc that you surrender, nor the fact that you have to do so, so many days before the end of the month to get even the whole of the next month taken into account, can't they work out daily or weekly rates at the DVLA, don't they own calculators, forgetting the fact that there is one on every desktop in the land!!??

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