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    • 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 the 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. So if you subtract the time you took to drive from the entrance. look for a parking place and park in it perhaps having to manoeuvre a couple of times to fit within the lines and then unload the children followed by reloading the children getting seat belts on etc before 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
    • Hi  no nothing yet. Hope it stays that way 😬
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Debt following death.


nuthatch
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Hi NH

 

Sometimes it never rains but it pours.

 

Hope your mum is ok.You concentrate on getting her well - you might be suprised how quickly she mends.

 

When you are at the hospital just think about all those folk in there who would gladly swap places with any of us if all they had to worry about was money!;)

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Hi NH

 

You concentrate on getting your mum and yourself better.

 

you will find the strength over time to deal with all this and as a result you will get there failing that you can always as for help from the likes of the CAB.

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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"Egg have been so stupid. I have written to them several times and they keep sending letters back that bear no relation to any comments I have made."

 

They rely on computers and quite frankly should not be in charge of anybody's money. Fit to hold a consumer credit licence? They are not fit to run a garden party.

Edited by overdone
typos

If my post helped you feel better, click my scales.

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if there not fit for the above the a boozeup in a brewery would be impossible for them to organise.

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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if there not fit for the above the a boozeup in a brewery would be impossible for them to organise.

Unless funded by a company hospitality credit card.

A close relative of mine worked for RBOS...may their souls be eternally damned...and she was shocked when a night out for the staff was paid for on a special credit card for the purpose :mad:

 

In fact, she was so appalled with the waste of money, she now works for a charity.

 

We used to provide our own sandwiches and sausage rolls for any parties we had at work.

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if there not fit for the above the a boozeup in a brewery would be impossible for them to organise.

 

Unless funded by a company hospitality credit card.

A close relative of mine worked for RBOS...may their souls be eternally damned...and she was shocked when a night out for the staff was paid for on a special credit card for the purpose :mad:

 

In fact, she was so appalled with the waste of money, she now works for a charity.

 

We used to provide our own sandwiches and sausage rolls for any parties we had at work.

 

 

....and that's why their shares are now FREE with every box of Kellogs Cornflakes.:-D

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lol Chancellor.

 

Do they come on frosties as i dont like cornflakes?

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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Unless funded by a company hospitality credit card.

A close relative of mine worked for RBOS...may their souls be eternally damned...and she was shocked when a night out for the staff was paid for on a special credit card for the purpose :mad:

More to the point, did it have a valid CCA. An enforceable agreement?

If my post helped you feel better, click my scales.

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More to the point, did it have a valid CCA. An enforceable agreement?

:lol:

 

Just to update this thread.

 

Since writing back to 3 of DH's creditors asking them to provide proof of the debt, I have had no communication at all.

My biggest pain at the moment is the Inland Revenue.

I had to fill a Self Assessment Form in on behalf of my husband and I have had it returned twice.

I have spoken to the relevant Tax Office twice for advice but I must really be thick because I still had problems.

Last year we used an Accountant as there was Capital Gains to work out and the accounts from my husband's failed business but it cost an arm and a leg so I said I would do it myself because he left no money.

 

Amongst other things the form asked for how much he made in tips from his job as a cook. I know this is a required bit of information but how on earth am I expected to know that:confused: When I asked the office that question she asked if DH kept a note book somewhere with the details in.

I told her I had no idea as it was his own private affair and, given that his total income between April 07 and when he died in June 08 was about £10000 (including Pensions) I shouldn't think it was much as he was only working 10 hours a week .

 

I think this should be a lesson to everyone to keep your money under the mattress so all your (trusted) relatives know where it is and can do what they want with it :rolleyes:

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Typical IR behaviour, they love these self assessment forms, as you say how on earth would you know how much he got in tips! They kept sending me penalty notices going up a £100 a time even though they said that my OH and I didn't have to self assessment forms in anymore, so I copied their letters and sent them to my MP. I was impressed at the speed of the reply and the fact they have passed my complaint on to the appropriate dept. They have "kindly" suspended the penalties for the present, this is the second time, last time they sent an amended penalty notice saying we owed nothing:-?

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I have, today received an unbelievable letter from EGG.

I sent them a copy of all my late husband's credit card statements showing his liabilities. I also sent them a copy of his final building society statement.And the letter from Lloyds TSB saying the debt is written off.

I have now received a letter asking me to fill in a form providing them with all this information again.

I am shaking like a leaf.

They have still not provided proof of this debt as requested.

Is there someone important I can write to at EGG to tell them what they are doing to me?

I have provided all this information before...admittedly on a form of my own design and not their own.But as I knew I would have to send it to a few people I thought it would save me time filling in yet another form.

How many times do they need to know that he had no assets? No house. No stocks and shares. No Life insurance.No car.

 

Having calmed down a bit I have just realised the letter is in reply to a letter I sent in Sept and not in reply to one I then sent 2 weeks later with all my late husband's financial info included.

To say I am mad is not even near how I feel at the moment :mad:

I have copied the letter just received together with the proof of delivery and the Recorded Delivery receipt for the letter I sent with all DH's information and enclosed them in their envelope and I will be sending it back tomorrow.

 

I feel like writing to Egg's Chief Exec and asking if these people from "The Executor Support Team" can actually understand English.

Although, looking at the origin of the names signed at the bottom of the letters, possibly not.

And I don't care whether that is PC or not.

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Oh thank you TheChancellor. I think I am so calm about things and then a stupid stupid CC company can blow my resolve out of the window.

In the scheme of things, they are way at the bottom of my priorities. I think it just brings it all back that my husband would not have spent his last years worrying about debt if these people had been more human.

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I would write a brief letter stating

 

"I already have provided you with the information you demand & I will not be responding to you again"

 

"I would remind you that I have recently lost my husband & whilst all other creditors have been sympathetic you have not, as a result you are making a distressing situation much worse"

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I would write a brief letter stating

 

"I already have provided you with the information you demand & I will not be responding to you again"

 

"I would remind you that I have recently lost my husband & whilst all other creditors have been sympathetic you have not, as a result you are making a distressing situation much worse"

Well put, J.C.

If my post helped you feel better, click my scales.

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well it all seems good. just need to sit and wait now to see what they say.

 

Yes i know its not fun but trust me u will get use to it and will find plenty of things to do with your time.

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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Letter from Egg today to say they have received the information about my husband's estate :rolleyes: and the contents have been noted.

The file is now in the hands of the Management Team....whoever they might be.

 

Told you it would reach them eventually NH.The "Management Team" are the ones on the next desk who can do joined-up writing.

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Even if they can read it will be an improvement :rolleyes:

 

And the ability to do basic maths (when they realise that X number of creditors into £300 isn't worth the time and effort chasing it up) would deserve a round of applause :)

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well lets just hope they are nice and agree to put it to zero balance.

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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Oh bum. This is getting so annoying.

Have had a letter about DH's debt to L********ds. It is less than £400 and if they got a pro rata share of his "estate" they would get about 25p.

 

I sent copies of all DH's CC statements, final 3 months bank account statement and copy of all funeral receipts and now they say they are passing the account to Phillips-Cohen Associates who will "assist me with closing the account."

Mind, it also says they are enclosing a helpful brochure offering useful info about the probate process. No brochure enclosed and I have already told them that I did not need probate as estate was worth zilch.

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Wonderful bunch from what i remember

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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