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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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Cheekiness towards a DCA


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Are you spying on me Fred :p

 

Well I was in Welsh Wales on Saturday!

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Keeping on topic, here's a post that might just give you a giggle: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/213329-cabot-has-anyone-ever.html#post2345750

 

I am serious though. I'm intrigued as to what the reaction will be.

 

Regards to all.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Actually, I haven't ever been to a Tom Jones concert :D

 

Today I'm wearing black lacy french knickers :D

Now Babybear, you know the buttons to press don't you. My pacemaker is over loadingggggggggggggggggggggggggggggaghhhhhhhhhhhhhhh. Nurse the screens please.

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After months of people phoning me for a debt i know nothing about, I had enough. I have a fella on the line telling me to pay which went like so:

 

Me: Im not paying

Him: Why not?

Me: Because I have seen a really big hat that I want to buy with matching boots!

Him: (something about irresponsible spending ect)

Me: But the boots are really shiny..(long pause)..and as I have never used eBay, how can I owe them money?

Phone down.

 

I thought it was just a [EDIT] but it turned out to be iQOR!!

I remember this when it was all just fields....

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Try invoicing them with a letter before action. I did that. Never heard a peep again.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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I thought it was just a [EDIT] but it turned out to be iQOR!!

so it was a [EDIT] then? LOL I don't think most DCA's are any better than [problematic] :p

 

My bank (who my account is in dispute with as it shows overdrawn but only because of charges) set a DCA on me. I told them to shut up or take me to court (I'm not normally rude but the fella wound me up saying it didn't matter that the case was disputed LOL) so they took me to court, I filed a defense and they dropped it like a hot potato :D

 

 

Answering the phone to a rude DCA £0.00

Filing a defense £0.00

Having a laugh on CAG when a DCA wastes money taking me to court, and dropping the case within a week priceless

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

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i hope u put a wasted costs order in.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I only filed on-line that I would be defending on the grounds that it's against the OFT debt collection guidelines to try to collect on an account in dispute and they dropped it.

 

I'm just glad that the £125 court fees disappeared from Fredrikson's coffers. Few more of them should eat into their profit margin LOL

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

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Hello folks,

Had a little laugh with Mercers the other day. Usually I'm far too busy, or too ill, to be bothered with answering their phone calls - I either shut them off as a noise nuisance or answer and wait for the computer to connect the operator - at Hello? from a call centre ambience I put the phone down. It's petty, I know, but I'll be damned if I let them harass me, I'd sooner harass them a little and not be bothered ...

 

So the other day I was having that rarest of things, a few minutes peace and quiet and flippin' Mercers called. I missed the call but found it a minute later and called them right back. Well, I was bored. And I'm practising a bit!

 

Mrs: Hello, can I have your account number please

LL: I don't have any account with you.

Mrs: Well, what is your Barclaycard number?

LL: I don't HAVE a Barclaycard.

Mrs: Well, how can I help you?

LL: Well, I have you guys, you keep ringing me up, so could you stop ringing this phone. I keep getting calls from you that are either silent, or someone asking about a Barclaycard account. I don't HAVE a Barclaycard. All I have is nuisance calls from you and it's beginning to $&@?!! me off.

Mrs: Very sorry about that sir, would you like me take this number off the system?

LL: Yes, please. That would be fine.

Mrs: Ok, I'll do that for you.

 

Completely straight faced she said she would. I couldn't believe it! Of course, she didn't, unless it takes a couple of days to take effect. I put the phone down on them at least twice more on the weekend.

What a mindless thing to do. Ring me, that is.

 

Let them catch me on a roll - I love a bit of improvisation, it's such fun.

Edited by LampLighter
Cagbot added stars. I'd rather do my own.

"Do just once what others say you cannot do, and you will never pay attention to their limitations again." - Arthur C. Clarke.

"Thy word is a lamp unto my feet, and a light unto my path." - Psalms 119:105

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I only filed on-line that I would be defending on the grounds that it's against the OFT debt collection guidelines to try to collect on an account in dispute and they dropped it.

 

I'm just glad that the £125 court fees disappeared from Fredrikson's coffers. Few more of them should eat into their profit margin LOL

 

That name rings a bell.......they are chasing my OH for a 9 year old debt for Arrow that was Orange .....It's been nil by mouth for over 7 years but they keep trying, bless 'em.

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