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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.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
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Marlin/Mortimer Clarke Help


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Hello all,

 

I recently received my court papers from these fine people :mad:

 

It was for a bank overdraft with HSBC that I couldn't pay as I was made redundant back in 2001. I now have employment, and since then I have been paying a monthly amount to a DCA, until Marlin bought the debt November last year.

 

On the court papers, they are claiming £1,040.81 in interest on my debt which stands at £2,214.80, which, along with the court and solicitor fees comes out at a total of £3420.61

 

What I am worried about is the next part of the wording which states their intention to charge a daily rate of interest of 0.49 until Judgment or sooner payment.

 

Does this mean if I want to defend the interest charges (I admit the original debt), they are just going to keep mounting up?

 

I've read many threads on here regarding these guys, but haven't heard of any outcomes yet.

 

I don't really know what to do now. I haven't asked for anything from them as yet, simply because I didn't know I had that right as I have only just found out about these forums.

 

Please help :(

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ok you have to acknowledge the claim within 14 days on the date of the papers, then you have another 14 days to file the defence....

 

I'm not an expert on this but I would send the solicitors this in the first instance....send it by recorded / guaranteed delivery....have you attempted to reclaim any of the excessive charges on the account ?

 

In the XXXX County Court

Claimant -v- (YOUR NAME)

Claim Number: (CLAIM NUMBER)

 

 

Dear XXX

 

REQUEST FOR INFORMATION

 

I have received a recent court claim from your organisation. In order to file a defence and counter claim I require some information. Given that this matter is now the subject of legal proceedings, you are obliged to disclose under the Civil Procedure Rules, the information and documents detailed below.

 

The information must be furnished within fourteen days of the receipt of this letter. If you fail to comply, this will be reported to the Court, a copy of this letter will be provided as evidence to the same and an Order enforcing your compliance will be sought.

 

1. A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. All records you hold on me relevant to this case, including but not limited to:

 

a. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

b. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with *********.(AMEND TO THE COMPANY NAME)

c. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

d.Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

e. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

f. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

g. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

h. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

i. Copies of statements for the entire duration of the credit agreement.

 

3. Any other documents you seek to rely on in court.

 

 

I will require this information within the next fourteen days. I must advise you that if the information is not forthcoming, it will be reported to the Court that you are trying to frustrate proceedings and denying me the opportunity to file a defence and counter claim.

 

Yours sincerely,

 

XXXX (type, don't sign).

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Its worth SARing HSBC because if the amount contains unlawful charges it could make the default notice unlawful and you have case law Woodchester v Swain to back this p, plus the amount shown in the POC could be disputed

Live Life-Debt Free

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Thanks for the replies both.

 

I've been reading through a few other threads since posting this and I am starting to gain a little confidence in what I need to do. However, I don't really know the order to do them in.

 

42man, I haven't done anything as of yet apart from write to them asking to pay monthly, as I was doing before the debt was sold to them.

 

B3rty, HSBC terminated the account more than 6 years ago, will the unlawful charges still apply in that case? I do know they made charges on my overdraft as I went over the agreed limit shortly after being made redundant.

 

How do I go about SARing HSBC? Any useful threads you could point me to would be a great help.

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Don't ignore the court papers, they will possibly ignore your letter and let a judge decide, they are hoping you won't defend and that they will get judgment by default.....you do not need to send a SAR as the letter I have copied in above is a CPR - Civil Procedure Request. They have to provide what you have asked as it is relevant to the defence....

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Thanks 42man :)

 

Ok, I will get that typed up and sent off tomorrow. As I said, they have provided me with no documents regarding this debt other than a letter back in November saying that they had taken over the debt from the 05/10/2007, although to be fair I didn't actually ask for anything as I was too scared!

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If they do produce the documents, do I have any argument regarding the amount of interest they intend to charge?

 

The way they have worded it considering it is a court document is ridiculous ;

 

2. Interest at the rate pursuant to the Agreement namely 1,040.81 & continuing until Judgment etc etc

 

It sounds like the rate of interest is 1,040.81% !!! (which obviously it is not)

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Theres an irony here on what assumptions they make for the charges

 

I bet they haven't seen an agreement simply because you never signed one other than for the account so its those T&Cs that are relevant here...

 

They always claim back to the default date but they purchased the account a few months back...

 

They work on the premise that you wont defend

 

BTW is this Marlin or Marlin behalf of Phoenix?

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Hi guys :)

 

42man, yes they sent me a default notice saying they would be handing the debt over to their solicitors and proceeding with court action.

 

B3rty, the company stated on the solicitor's letter is Phoenix Recoveries(UK) Ltd Sarl-Marlin Recoveries.

 

I've sent off the letter above (thanks 42man) today by special delivery.

 

Have also acknowledged the court forms on-line.

 

So I just play the waiting game now to see what Marlin send me?

 

Is it worth me asking HSBC for anything bearing in mind the account was terminated by them in 2001, after they had slapped a load of charges on it.

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Thats not a default notice as per the legal requirements this has to be issued by the creditor and would have come from HSBC

 

Marlin are Phoenix's servicing agents as Phoenix are based in Europe....

 

Mortimier Clarke are their legal entity known as solicitors but not a firm as you or I would know it, they have one registered solicitor who is also a co-director of companies in the Marlin group who are basically virtual trading styles to look make them look like they are bigger then they are

 

Just for your own amusement, put the Marlin postcode into google maps and look at their offices....

 

Dont be fooled by the Marlin Europe address this is a PO box in London.

 

What you have is a business set up just to litigate unsecured debt into secured debt as the money behind this is private equity and its all about profit...

Live Life-Debt Free

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Ok....

 

Seems they all work in some sort of shed in a field :eek:

 

B3rty, I have heard nothing from HSBC since 2001 when they first handed the debt over to a DCA. Am I supposed to get a letter from them before Marlin can take me to court?

 

If it goes to a court hearing, how do they represent themselves at my defence if they only have 1 solicitor? Maybe they hire a local solicitor on their behalf or something.

 

Even more interesting, they seem to process all their debts electronically using custom databases/algorithms - to filter out the likely payers I presume. It all seems far too automated to me, almost as if a handful of people could make you feel like you are dealing with some massive financial institution.

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The bank should have sent a default notice giving you 7 days ( Its now 14)to bring the account up to date , this needs to contain certain information and dates to make it legal...with out issuing this the debt can't be assigned.

 

I would definately SAR HSBC

 

They would appoint a solicitor to attend the local court hearing..

Live Life-Debt Free

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Is this the letter I send to HSBC?

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

 

Sorry to sound a little dense - up until a few days ago I was truly clueless about any of this information (or even the existence of the CAG forums), I just let them shout & bully me into this situation. I'm in IT support, so I am used to getting shouted at by people ;)

 

Will HSBC even have records back that far considering I opened the bank account in 1997?

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  • 2 weeks later...

Ok small update. On the original letter I sent to Marlin, it's taken 8 days for them to send me a letter saying they want to charge me £10 for a SAR and they cannot process my request until that time.

 

I'm sure I read a thread on here stating that I wouldn't have to pay this because they are the ones taking me to court and I need this information for my defence, but I cannot find any topics now ..typical :(

 

If someone could let me know if I do indeed need to pay this £10 I would be grateful.

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Sorry to bump this, but could anyone give me a quick answer as to if I need to pay for a CPR when they are the ones filing for a CCJ?

 

They seem to think I am asking for a SAR in reply to 42man's letter I sent them.

 

Thanks

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Yay, b3rty :D

 

Thanks for the reply. I will get a letter off to them stating I am requesting a CPR not a S.A.R - (Subject Access Request).

 

Also, I was looking at the court claim form again, and I am worried about the POC, particularly this under section 2 ;

 

2. Interest at the rate pursuant to the Agreement namely 1,040.81 & continuing until Judgment or sooner payment at the daily rate of 0.49 or in the alternative interest pursuant to section 69 of the County Courts Act 1984.

 

Does this mean that if they produce all the required documents, it goes to court and I lose, I am going to end up owing an even greater amount due to a daily rate of interest? Our debt has already increased from the original debt of £2,214.80 to £3420.61 due to the interest they have applied.

 

Sorry to keep asking all the questions, but my husband normally deals with everything financial, but he has recently become very ill and unable to help me with any of this, so I am kind of stuck not really knowing exactly what I am doing :( :(

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You are jumping ahead a bit here as they have to produce a copy of the overdraft agreement, default notice and notice of assignment....however the POC needs to check out so if they have assumed an incorrect rate of interest thats one more thing to add to the list....

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Live Life-Debt Free

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  • 2 weeks later...

Hi all,

 

Ok update on my situation. After multiple requests for information, I finally had a letter from Mortimer/Clarke saying they have requested the info and will pass it on to me. However, that is the last thing I heard from them and my defence needs to be in by next Wednesday (4th June).

 

Do I need to start a separate thread to get help with my defence in the legal issues sub-forum? I know what I want to say but I really have no idea how to present it in a formal, legal manner.

 

Basically, I would like some proof as to Marlin actually owning my debt before I look at a settlement. So far, I have had nothing from them except a letter stating they had taken over my debt and then demands etc.

 

I have always wanted to pay the debt off, indeed I told them it would be repaid by the end of this year and now I am in the situation where I can repay the full amount, however I want to object to the amount of interest they have added, namely £1040.81 on a debt of £2214.80 that they purchased just last October. I think this is completely unreasonable.

 

Depending on what paperwork (if any) turns up before next Wednesday, I would like to be able to alter my defence in light of this information - is this also possible to say?

 

Any help in how I put all this down in writing would be so appreciated.

 

Thanks all :)

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Bump for me :(

 

Could anyone please help me on how to word my defence or point me to a suitable one for my situation. I think it's a fairly simple case. I'm objecting to the debt because I have received no proof Marlin own the debt. If they can provide all the correct paperwork, then I am willing to repay the debt in full (big thank you mum & dad), but want to object to the interest (which I cannot afford to pay off if I pay the debt off) they have applied as I believe it to be totally unreasonable. I do not mind paying the court fees/solicitors costs that they have stated on my court claim form.

 

If anyone can help that would be great as my deadline is fast approaching.

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If it's any help to you, I have a claim ongoing with MCE Portfolio, who are using Marlins to collect and Mortimer Clarke as solicitors:

http://www.consumeractiongroup.co.uk/forum/legal-issues/137898-mce-portfolio.html

 

It seems they're playing the same game with your docs & proof as in my case (though I haven't done the CPR18 request). Anyway, my defence is on the thread if you want to use any of it :)

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

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Thanks mcuth, your thread makes interesting reading.

 

I posted my defence off today, deadline Wednesday.

 

So far I have heard nothing back from Marlin.

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So far I have heard nothing back from Marlin.

 

Ditto - I can't wait to see them in court :)

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

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