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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)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; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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Chequebook loans


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Hi all,

 

I unfortunately took out a chequebook loan for £300 2 years ago when I was in need of quick cash. Thinking I'd pay it off quickly, it didn't happen!

 

I have been paying £60 a month for this loan that doesn't actually reduce the amount owed totalling £1440 in fees so far. Since taking out this loan I have had a change in circumstances and paying this £60 a month is a really struggle and I am unable to clear the loan either. Chequebook loans take the money out of my account I think in the same way that a retailer would in payment form rather than dd. I would like to cancel payment and discuss an alternative arrangement but they haven't been much help. Does anyone have any experience with them or a similar set up. All advice appreciated!

 

Cal

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Hi all,

 

I unfortunately took out a chequebook loan for £300 2 years ago when I was in need of quick cash. Thinking I'd pay it off quickly, it didn't happen!

 

I have been paying £60 a month for this loan that doesn't actually reduce the amount owed totalling £1440 in fees so far. Since taking out this loan I have had a change in circumstances and paying this £60 a month is a really struggle and I am unable to clear the loan either. Chequebook loans take the money out of my account I think in the same way that a retailer would in payment form rather than dd. I would like to cancel payment and discuss an alternative arrangement but they haven't been much help. Does anyone have any experience with them or a similar set up. All advice appreciated!

 

Cal

 

You need to cancel the payment immediately and then send them a SAR. Don't keep paying these robbing ****s! How much have you repaid up til now?

Just hate every DCA out there

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Hi all,

 

I unfortunately took out a chequebook loan for £300 2 years ago when I was in need of quick cash. Thinking I'd pay it off quickly, it didn't happen!

 

I have been paying £60 a month for this loan that doesn't actually reduce the amount owed totalling £1440 in fees so far. Since taking out this loan I have had a change in circumstances and paying this £60 a month is a really struggle and I am unable to clear the loan either. Chequebook loans take the money out of my account I think in the same way that a retailer would in payment form rather than dd. I would like to cancel payment and discuss an alternative arrangement but they haven't been much help. Does anyone have any experience with them or a similar set up. All advice appreciated!

 

Cal

 

hiya and welcome to CAG :)

 

the very first thing you need to do is send a letter by recorded delivery (see link below letter N) enclose a £1 postal order, do NOT use your true signature just PRINT your name,

 

as pmhcfc says stop paying em, when you send the CCA letter they have 12 WORKING days to respond (+2 for post) after this they default under the consumer credit act and they have no legal right to request/demand payments, if they respond take a photo of it using photobucket (free to use) and post link to it here. REMEMBER to REMOVE ALL personal info so we cant identify you, then CAG can advise you further

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Hi,

 

Thanks for the advice, I'll call my bank and see if they can stop the payments going out and send the letter to chequebook. I'll keep you posted! I've paid £1440 so far!:)

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  • 2 years later...

I know how you feel. I took out a loan with Cheque Book loans about 4/5 years ago and I am sure I have paid them off! What I hated was them inadvertently going into my card account and taking money when they feel like it! Recently, my Bank had changed all the Debit Cards and so now they dont have my new card details :-)

 

Yesterday, I checked my bank account online and noticed that a Standing Order was set up on my account and £100 was debited which has left me overdrawn with the bank and out of pocket and now I'm going to be charged by the Bank! I didnt agree to a Standing Order or signed a Standing Order Mandate so who put my signature on the form? I never received a letter to state that a Standing Order will be set up.

 

My bank are not happy about this either. They said that someone would have actually gone into a Branch to do this and I know I never have. Good thing is that I have a managed Bank Account with Thinkbanking.

 

ThinkBanking have spoken to RBS and requested them to cancel the Standing Order, I am absolutely livid. I am trying to contact Cheque Book Loans, but their contact page doesnt even work. Does anyone know how I can contact them please? They will get a damning report from me.

 

Between myself and the bank, I intend to get to the bottom of this.

What to do?

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Company Name: CHEQUE BOOK LOANS LIMITED

 

Previous Name(s): NO PREVIOUS NAME HAS BEEN RECORDED DURING THE LAST 20 YEARS

 

Registered Number: 05261871

 

Registered Office:

 

PENDRAGON HOUSE

65 LONDON ROAD

ST ALBANS

AL1 1LJ

 

Incorporation Date: 18/10/2004

 

Country Of Origin: United Kingdom

Company Type: Private Limited Company

 

Accounting Reference Date: 30/06

Last Accounts Made Up To: 30/06/2008

Next Accounts Due: 31/03/2010 (Overdue)

 

Last Annual Return: 18/10/2009

Next Annual Return Due: 15/11/2010

 

Company Status: Active

Type of Accounts: TOTAL EXEMPTION SMALL Accounts

 

Nature Of Business: 6522 - Other credit granting

 

 

Filing History

 

 

19/10/2009 18/10/09 FULL LIST

19/10/09 STATEMENT OF CAPITAL;GBP 1000

19/10/2009 SECRETARY'S CHANGE OF PARTICULARS / MRS SAMANTHA HUGHES / 01/10/2009

19/10/2009 DIRECTOR'S CHANGE OF PARTICULARS / MR PAUL MAIR / 01/10/2009

06/04/2009 30/06/08 TOTAL EXEMPTION SMALL

27/10/2008 RETURN MADE UP TO 18/10/08; FULL LIST OF MEMBERS

14/05/2008 30/06/07 TOTAL EXEMPTION SMALL

15/11/2007 RETURN MADE UP TO 18/10/07; FULL LIST OF MEMBERS

28/03/2007 TOTAL EXEMPTION SMALL ACCOUNTS MADE UP TO 30/06/06

22/11/2006 RETURN MADE UP TO 18/10/06; FULL LIST OF MEMBERS

28/02/2006 TOTAL EXEMPTION SMALL ACCOUNTS MADE UP TO 30/06/05

25/11/2005 PARTICULARS OF MORTGAGE/CHARGE

17/11/2005 ACC. REF. DATE SHORTENED FROM 31/10/05 TO 30/06/05

16/11/2005 RETURN MADE UP TO 18/10/05; FULL LIST OF MEMBERS

16/11/2005 DIRECTOR'S PARTICULARS CHANGED

18/10/2004 SECRETARY RESIGNED

18/10/2004 INCORPORATION DOCUMENTS

CERTIFICATE OF INCORPORATION

STATEMENT OF DIRECTORS & REGISTERED OFFICE

DECLARATION OF COMPLIANCE

MEMORANDUM OF ASSOCIATION

ARTICLES OF ASSOCIATION

 

 

Mortgages

 

No. Mortgage Charges: 1

Mortgage Charges Outstanding: 1

Mortgage Charges Part Satisfied: 0

Mortgage Charges Satisfied: 0

 

 

Charge No: 1

Creation Date: 24/11/2005

Registered: 25/11/2005

Satisfied: Outstanding

Description: DEBENTURE

Person(s) Entitled To Charge: THE GOVERNOR AND COMPANY OF THE BANK OF SCOTLAND

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I'm sorry I can't find an email addy for them, maybe someone will come along later with it.

 

Chequebook loans will have the standing orders you completed at the application stage and they could take into a branch of your bank on any day that it suits. Your money if in bank could disappear the same day.
http://www.consumeractiongroup.co.uk/forum/payday-loans/214114-payday-loan-debt-advice.html
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Have they now? Thanks for this. My bank said they are going to send me a copy of the Standing Order Mandate they took to a branch with my 'signature' My bank have cancelled it and will keep rejecting it until they get the message. I will also report them to the FSA.

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  • 1 month later...

We had the same problem, couldnt pay the full 300 at once so we paid 60 per month until that amount was paid , then got a new debit card from the bank so they couldnt take anymore but they then tried to take 300 from our account by setting up a fraudulent standing order so we changed our bank account number but stayed with same bank, this is the only way we could think of to get rid of them .

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They seem to have 'surrendered' their OFT back in December last year

 

Application / Licence Details

 

 

 

Licence Number:0562723

Licence Status:Surrendered on 04/12/2009

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberCheque Book Loans Limited5261871

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:Yes

 

 

Issued Date: 16-Dec-2004

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionMr Paul Stewart MairOFFICERSamantha HughesOFFICER

 

Nature of Business:

 

Other

 

Current Address(es):

 

Address TypeAddressPrincipal Place Of Business834, Dunstable Road, Luton, Bedfordshire, LU4 0HGRegistered Office834, Dunstable Road, Luton, Bedfordshire, LU4 0HG

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They seem to be trading under L & D Loans Ltd. and has been stated above Debit Card Loans Ltd

 

CCA Search :: CCA Search Results :: Licence Details

 

 

Application / Licence Details

 

 

 

Licence Number:0583682

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberDebit Card Loans Limited5716530

 

Categories:

 

Consumer credit

 

Right To Canvass Off Trade Premises:No

 

 

Issued Date: 20-Apr-2006

Expiry Date: 19-Apr-2011

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionMr Paul Stewart MairOFFICERSamantha HughesOFFICER

 

Current Address(es):

 

Address TypeAddressPrincipal Place Of Business834, Dunstable Road, Luton, Bedfordshire, LU4 0HGRegistered Office834, Dunstable Road, Luton, Bedfordshire, LU4 0HG

 

 

 

 

 

CCA Search :: CCA Search Results :: Licence Details

 

 

Application / Licence Details

 

 

 

Licence Number:0555113

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberL & D Loans Limited5110433

 

Categories:

 

Consumer credit

 

Right To Canvass Off Trade Premises:No

 

 

Issued Date: 12-Jun-2004

Date Maintenance Payment Due: 11-Jun-2014

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionPaul Stewart Mair Samantha Hughes

 

Historic Individuals that run the organisation:

 

NamePositionMr Paul Stewart MairOFFICER

 

Nature of Business:

 

Other Cheque Cashing Services

 

Current Address(es):

 

Address TypeAddressPrincipal Place Of Business834, Dunstable Road, Luton, Bedfordshire, LU4 0HGRegistered Office834, Dunstable Road, Luton, Bedfordshire, LU4 0HG

 

Historic Address(es):

 

Address TypeAddressPrincipal Place Of Business834, Dunstable Road, Luton, Beds, LU4 0HGRegistered Office834, Dunstable Road, Luton, Beds, LU4 0HG

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