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    • 7 weeks now. What happens if they don''t get back to me within the 8 weeks? They have to provide me a final response in that time frame right? 
    • Referring back to to your initial post... So not a judgment ?
    • 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.
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Kensington want to evict us again !!!


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Well i has finally arrived. KMC have reached a verdict. The answer this time came from Head Of New Business Operations. And the answer isssss.............

 

"Having considered the matters you have raised, I believe that our offer of £200 is a fair reflection of Kensingtons involvement in the events that occured"

 

I am now free to go to the FOS.

 

Opionions please folks !!!!

 

olivesxxx

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Bummer :mad: need to put thinking caps on

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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rolex that is not fair enough they clearly knew they were in the wrong so they should pay up.

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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accept the £200 in PART PAYMENT and Take it further

also get a statement from them so you have a handle on your arreas situation keep fighting GMAC said they owed u nothi g we got a great amount and still going they believe people will give up if you take it to the FSO what do you have to looses

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Thaanx guys for the thoughts on this. I amwanting to take it further I think. I do already have my FOS complaint about the loan, It turns out KMC are not giving FOS what they want so FOS have given the last chance to reply.

 

So I was thinking like Bona said accept £200 in part payment and then as soon as Loan complaint has finished hit them again with this one.

 

xxx

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How do you mean Bona. They wont dish out the £200 as part payment, do you think they will do it only as a full and fi settlement.

 

I dont think FOS will do anything but the consolation is KMC will have to shell out anouther £400 for them to look into it. Maybe it is wasting there time though. They do have more important things to deal with.

 

Well I think that could be it. I will accept the £200 in a letter but maybe think of a few ground rules or something about how to deal with me in the future.

 

Still doesnt solve this mortgage payment that has mysteriously been added to my account though. mmmmmm:confused:

 

 

 

olives xx

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Hello Olive,

 

Yes TML - (The Mortgage Lender) DID arrange our mortgage from December 2001 until it went through around February or March 2002. They were a bunch of incompetents! They lied through their teeth as far as we're concerned and didn't want to know anything and denied all knowledge once our mortgage was transfered over to G-mac RFC Ltd., (another load of chancers and unregulated cowboy mortgage rogues)!

 

Firstly S. Knight at TML told us categorically before Christmas 01 that he "had arranged our life/sickness/accident/unemployment cover to last for 5 years and to be taken over this period in small increments with our mortgage payments". I was happy to hear this as we both stressed we wanted this cover! Yet when I tried to make a claim on something in early 2003, I find to our horror that they HADN'T done this at all!! (What would we have done if anything major had gone wrong whilst we were with G-mac I ask?!). These swines just didn't care and were allowed to get away with treating people; (especially ones struggling in difficult circumstances whom they were supposed to help), in this terrible way! This wasn't the only incident where they screwed up and messed up on us either!

 

On searching through Google, I have noticed that TML have now ceased trading, (oops - I wonder why?), and that they were owned by a company called Kensinton, who also had a bad reputation for it's iffy mortgage dealings! Now they have been taken over by a company called "Resolve Mortgages". I hope they're a damned sight better and more honest than their predecessors that's what I say!

 

Take care,

DebsDelight

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Hi ya Debts Delight,

 

Yes TML was owned my Kensington and yes they are as dodgy as each other. TML arranged my re mortgage around 2002 and it was with Kensington and I am still stuck with the gangsters today.

 

I am trying to find out what companies they were selling. I believe that they brought TML in 2002 so did TML just sell Kensington Mortgages after that date or did the sell the likes of GMAC as well. If it was just Kensington then I think I may have a bit of complaint about mis selling my mortgage and charging me £2000 for the privelige. Like you say though TML have ceased trading so it may be a bit tricky, I think it will have to go to Kensington.

 

Thanks for the info

 

Have you escaped GMAC

 

olives xx

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Dont moan about the mortagage payment. :)

 

Any way you could always write and say i will accept the £200 in part payment of what I feel is a acceptable amount and as result fell you owe me a further £XXXXX which i expect to recieve from you by.

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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Thanks for your reply Olive,

 

I don't know about G-MAC being owned by Kensington, but I thought we were going to TML - as the name would suggest, but instead when it was too late to back out, we find this is with the G-MAC company whom we'd never heard of!

 

We're not with G-MAC RFC Ltd. anymore, thank goodness! Though because we'd unfortunately (and very unfairly) - I feel had been dubbed "Sub-prime Lenders"; a title which I would dispute, it does seem that you have to remain that way for a good number of years before things can change for you! We were remortgaged over to another company called ROOFTOP who are part of a Nelson's Mortgages subsidiary group, and these are just as lousy and unreasonable! (Even when you are about to leave them it would appear!). They too, like the gangsters and sharks they are will stitch you up with charges for the least little thing! However, happily we recently remortgage back to a High Street lender - Nationwide, with a 5-yr. fixed package at around 5.85 - 6%, and this was the kind of help we needed before! Our Broker, Pete tells us that Rooftop is no longer operating in the sub-prime lending arena. Now if you like I can pass on his details, so you could use him, but he is local to me in North Kent. I won't give his details out on the forum, as I'm not sure if I'd be allowed? So good luck with what you're doing and keep on!

 

DebsDelight

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Hi all.

 

Beforen I begin I will like to say a HUGE thanks for all the advice and support i have had from you all. You have all been my brick.

 

It is time I put this thread to bed. I hope in a while to come people will learn from my experienecs. I have learnt a huge amount that has made me stronger. I WILL as time goes on use this new found knowledge to help others on the forums.

 

Today I had a letter from The FOS. A few times I have talked a little about this case but kept a lot of the details to myuself until I get the results. Well today I got tthe results. KENSINGTON WON.

 

The charges are a part of the contract so they can carry on charging them. Apparently(i cant remember thyis happening)I told the judge of the bullying and the PPI phone call Imade to KMC. The judge appatrently said that if the trems of the suspension were not complied with , then the bank could reissue the warrant without hesitation. This cooment was actually to my favour at the time as the judge didi not like KMC having this go to court.

 

It even mentioned my recent saga. It says "I note that in August 2008 the bank applied to enforce its warrant for possesion in relation to the mortgage but this was dismissed because the terms of the previous suspension were being complied with. Notwithstanding this. the bailiffs attended then property in error. I note that £200 compensation was paid to you by the bank for this error"

 

So it seems this past year has been alll in my head. They are allowed to screw with peoples heads as much as they can.

 

So this chapter is over. The main thing I have won out of all of this is my new friends that I have made. If it was not for all of this then I doubt I would have you lot!!.

 

I am not giving up. I do have a other things building up in the background so KMC have not heard the last from me.

 

I just feel extremely let down by the FOS

 

olives xx

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Hi Olives, I'm so sorry you haven't had the result you deserve either from the FOS or the compensation claim. The main point is that you still have your home and your desire to fight KMC:)

 

I wish I could wave a magic wand and get you what you deserve to make all the stress of the last year worthwhile......

 

Ellx

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Olives.

 

U could always point out to FOS that you have not accepted the offer so no payment has been made.

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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well they cant lie now can they how can u have accepted the payment when u have not accepted the offer.

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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Seems to be the same old story with FOS. Its a case of them and us as always.

The good thing Olive is that you have gained strength from fighting, this has passed on from you to the likes of me and others.So you have gained so much from this,new friends,good advice.So I would like to thank you for your experiences passed on.Keep up the fight,and as corporal Jones would say they don't like it up them...

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