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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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Urgent help required! Buying a car without V5 document - need some advice!


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Hi everyone,

 

I am due to buy a car without a V5 document as the owner of the car was not sent a new V5 when he originally purchased the car but failed to chase this matter with the DVLA.

 

He has the new keeper supplement for the car, 2 keys, mot (at least 2) service history and receipt of his purchase from a dealer. I have also perfomed a HPi check on the car and everything came out clear. The car is not stolen, the mileage is legit, it has not been recorded as a total loss by insurance and is not on the at risk list etc etc.

 

Obviously the DVLA do not recommend you buy a car without a V5 but then they do have an option for that on the V62 form so it must happen.

 

I am basically just worried that if I fill in a V62 and the DVLA contact the person that is currently the registered keeper (but not the owner) and they for some reason object I will have lost money. I will have a receipt for my purchase, I am paying by bankers draft, I will have the car with 2 keys and all the documents mentioned above - will this be enough to argue my case if it comes to it?

 

Can somebody help and offer me some advice ASAP please!!? Thanks.

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Yes, found an advert and replied. Took the car for a test drive and we have been in contact via phone. I have his full name and address, I will also have his account details for the bankers draft - why?

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If you dont know this bloke then you are taking a risk all be it you have done everything you can to find out about the car.

 

If your parting with serious money then tell him to get the V5 which takes a couple of weeks and then you will do the deal.

 

I wouldnt touch it without one

 

neither would a dealer and that should tell you something

 

your call though

7 actions in progress

 

amount refunded so far £6500

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I hear what you are saying. However, due to the fact the previous owner failed to send off the V5 when he purchased the car, this guy will have to fill in a V62 as a new owner. The DVLA says it takes 4 weeks to then send out a V5 with him as the registered owner.

 

I managed to knock money off the price but he is saying to me that if he does that he would want more money than we agreed.

 

I am stuck really because I fell in love with the car but on the other hand you are right it does seem to be a bit of a risk.

 

It is just frustrating that I have done all these checks, will be in possesion of a car with 2 keys, mots and service history, new keeper slip from previous purchase, receipt from previous purchase, my own receipt. I have also requested he provide 3 proofs of ID and I still can't gurantee I will be considered as the owner of the car.

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I wouldnt touch it without one

 

neither would a dealer and that should tell you something

 

your call though

 

I would just make the point that every time I change my car, it goes to the new owner or dealer without a V5. The V5 is sent on a few weeks later.

 

The reason for this, is the time required to obtain the new V5 following registration plate transfer/retention.

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So does having possesion of the actual car, two keys, having a clear Hpi check, receipts of both purchases, new keeper supplement from previous sale, mot and service history for the car mean nothing?

 

So it is possible in this day and age for you to have all that information but yet it is not proof the car is yours?

 

How would someone that was not the actual owner have all of that information - inparticular the service history??

 

What is the point of doing a Hpi check if it is meaningless? Because obviously the reason this purchase would be risky is to do with the fact that the car could be stolen? But then shouldn't it appear so on the Hpi??

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My professional advice to you is (i am Vehicle Finance Fraud Investigator) is :-

 

Call DVLA, find the the DOC REF on the keeper supplement give dvla that ref number to confirm the details, Go onto 192.com and make enquries of the previous keeper incase there is a telephone number you can call, same applies to the person selling the vehicle always ask for proof of address, from the person your buying from if he is legit then he would be happy for you to see a driving licence or passport,he should not object to taking details from the those documents after all he is asking that you trust him with couple of grand. I know people have gone as far a taking mobile phone picture of the seller.! He may be totally legit, but the fact that he hasn't waited or applied for a V5 raises some questions, firstly "whats the rush?". go onto VOSA.gov.uk and check the MOT you will need DOC Ref from keeper supplement and MOT Certificate number. Confirming the Mileage on the HPI is an easy CHEAT, if the vehicle has never had its milage confirmed before on HPI, all you do is back the clock up to the mileage of your choice then phone hpi, given the false reading, bang! the new mileage is recorded, so therefore it means nothing, unless the mileage has been recorded on HPI from yonks ago, i.e Audit trail of mileage recording. I dont know if your in london, but if i am too late then...... but if you need more advice and checks you can do PM me and i will give detailed information about the simple telephone numbers you can call to confirm the vehicles details. good luck

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** Credentials **

 

10 Years Finance Fraud Investigator

 

5 Year High Court Sheriffs

 

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Currently : HMCS Enforcement Officer

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So does having possesion of the actual car, two keys, having a clear Hpi check, receipts of both purchases, new keeper supplement from previous sale, mot and service history for the car mean nothing?

 

So it is possible in this day and age for you to have all that information but yet it is not proof the car is yours?

 

How would someone that was not the actual owner have all of that information - inparticular the service history??

 

What is the point of doing a Hpi check if it is meaningless? Because obviously the reason this purchase would be risky is to do with the fact that the car could be stolen? But then shouldn't it appear so on the Hpi??

 

 

It SHOULD do, yes. But let's say the guy who is selling it to you (call him no. 3) has acquired it in good faith from somebody (2) who has rented/leased it from somebody else (1), then stopped paying & not returned the vehicle. There is a delay in (1) reporting it to the police while he tries to sort things out with (2), who has already sold it on to (3). Meanwhile you come along & fall in love with the car & buy it from (3) with no V5.

 

You get stopped one night by a police ANPR check, showing the vehicle is stolen. (1 has now reported it as such). You WILL be arrested on suspicion of taking a vehicle without the owners consent. HPI won't be interested because at the time of the check, it wasn't reported stolen - they have kept thier side of the deal.

 

Although it is not proof of ownership, a V5 will certainly help show that you acquired the vehicle in good faith & are not trying to hide anything. The above scenario might sound far fetched, but it isn't, trust me - unfortunately I can't go into further details on a public forum.

 

I really really would not purchase without a V5. If the guy is legit, he won't mind sorting it out. If not, there is ALWAYS another bargain to be had.

April 2007: Claim v Abbey settled £680!

July 2007: Claim 2 for £307 WON! after quiet word from the bailiff!!

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I see what you mean. But number (1) would have the V5 if he rented or leased the car not the person he leased it to, number (2). So number (2) would not be able to provide number (3) with a new keeper supplement??

 

Or would he, I don't know??

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The difference in your case Pat is that you are able to produce a V5 prior to any sale taking place.

 

Not always.

 

I have previously decided that I will change the car and applied for retention before even looking at other vehicles - so at the point of contract, I have no V5 of any sort.

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Hi everyone,

 

I am due to buy a car without a V5 document as the owner of the car was not sent a new V5 when he originally purchased the car but failed to chase this matter with the DVLA.

 

Ask yourself (or even better, ask him) WHY??

Obviously the DVLA do not recommend you buy a car without a V5 but then they do have an option for that on the V62 form so it must happen.

 

Yep, it can & does happen (as in the real life example I gave) but the potential for something to go wrong (as you mention below) is horrendous.

 

I am basically just worried that if I fill in a V62 and the DVLA contact the person that is currently the registered keeper (but not the owner) and they for some reason object I will have lost money. I will have a receipt for my purchase, I am paying by bankers draft, I will have the car with 2 keys and all the documents mentioned above - will this be enough to argue my case if it comes to it?

 

You will be able to argue, but at best it will mean a long frustrating debate between insurance companies, at worst you might be doing so having already been arrested.

 

Can somebody help and offer me some advice ASAP please!!? Thanks.

 

The above poster sounds more qualified than me, but my simple advice is tell this guy to ring you when he has the V5, or walk away from the deal & save yourself a lot of potential grief down the line.

 

Hope this is of some help.

April 2007: Claim v Abbey settled £680!

July 2007: Claim 2 for £307 WON! after quiet word from the bailiff!!

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At this stage I would just like to thank you all for your comments, please keep them coming - you can NEVER receive enough advice! I am still no closer to a decision either way but your advice is obviously helping me think about worse case scenario etc and making me question whether or not it is worth it.

 

Fightback - I understand you seem to have had a bad experience and I really appreciate your advice on this. It definitely helps. I think to put my mind at rest both ways I will do what Oh Boy suggests (I have nothing to lose by doing that) and see if that settles my doubts. If not I agree that I should just walk away.

 

Pat Davies it would be interesting to hear your experiences as well on the flip side. As we have Fightback with the bad experience and trouble and you with good experiences. Would be good to get an understanding of both sides.

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At this stage I would just like to thank you all for your comments, please keep them coming - you can NEVER receive enough advice! I am still no closer to a decision either way but your advice is obviously helping me think about worse case scenario etc and making me question whether or not it is worth it.

 

Fightback - I understand you seem to have had a bad experience and I really appreciate your advice on this. It definitely helps. I think to put my mind at rest both ways I will do what Oh Boy suggests (I have nothing to lose by doing that) and see if that settles my doubts. If not I agree that I should just walk away.

 

Pat Davies it would be interesting to hear your experiences as well on the flip side. As we have Fightback with the bad experience and trouble and you with good experiences. Would be good to get an understanding of both sides.

 

No problem mate, wasn't an experience for me, I was the poor sod investigating it, believe me I wouldn't wish it on anybody!

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April 2007: Claim v Abbey settled £680!

July 2007: Claim 2 for £307 WON! after quiet word from the bailiff!!

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Ha ha. O right - sounds like you had a rough time with it and must have been even worse for the person. You said investigating it - what type of investigator are you? Vehicle Finance Fraud Investigator? Police? Insurance?

 

Sorry to be nosey but I am just curious at which side you were approaching this?

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Derekcat928 funny you should say that I have just come off the phone with them and they are excellent!! I strongly recommend them to anyone with DVLA queries or problems. I was contacted within an hour of my reply by email and phone.

 

I missed the call, called back left a message and within five minutes they were on the phone!!

 

Top notch!!!!

 

They advised me of my legal right in this situation. Don't forget if you have a problem visit cherishedregistrations.net cherished number chat discussion forum

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I lost my V5 document and had to tax my car - I ended up popping into the DVLA office in Reading where they printed me a copy of my V5 document there and then for a few quid.

 

This was about a year or so ago so I don't know if it's changed but it was after the tightening of the V5 requirements stuff...

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  • 1 year later...

I am in the reversed situation. My brother emigrated this week - someone wants to buy his old car, but the V5 is at my parents' house.

 

Can I sell the car tonight with tax and MoT, and we just give each other handwritten receipts while the V5 is posted through?

 

If we do this, am I covered if they get any speeding offences etc in the next 3 days or so?

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I am in the reversed situation. My brother emigrated this week - someone wants to buy his old car, but the V5 is at my parents' house.

 

Can I sell the car tonight with tax and MoT, and we just give each other handwritten receipts while the V5 is posted through? Yes and no.

 

If we do this, am I covered if they get any speeding offences etc in the next 3 days or so?Yes

 

The V5 cannot just be posted on. The seller and the buyer must both complete and sign the new keeper details. The seller sends the V5 to DVLA; the buyer gets section 10 - New Keeper Supplement (green section).

 

If there are any speeding, etc. offences or parking contraventions, you will receive the paperwork (NIP, NtO, etc.) and will have to fill it in stating that the vehicle was sold and to whom. The receipts are your proof.

 

I am assuming that your brother has put the V5 into your name? If not, I am unsure as to how you can sign anything as you are neither the registered keeper or the owner.

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Not always.

 

I have previously decided that I will change the car and applied for retention before even looking at other vehicles - so at the point of contract, I have no V5 of any sort.

 

When I had a need to do that once before, I photocopied the V5 first so that I could show that to the buyer. I know it isn't absolute proof, but felt it was more reassuring than having nothing at all. :)

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