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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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Help!! Dca Purchased Debt After Registering Default!!!


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Hi there,

 

Can anyone help :confused: - Link Financial Limited have registered a default against me in 2004 - only just realised when I checked my credit file.

They had purchased the debt from Barclaycard who also registered a default for the same debt.

 

I recently raised this with the CRA and subsiquently Barclaycard removed the default within 3 days!

 

I recently sent a CCA request to Link Financial (22/08/08) - they wrote back afew days later stating that they had purchased the debt from Barclaycard and that they'd have to request a copy of the credit agreement from Barclaycard.

 

HOWEVER in their letter they have stated that they purchased the debt on 16th dec 2004 - I checked both my Equifax & Experian credit reports and both state that the default was registered on 30th sep 2004!!

 

Soooo my question is - Can they legally put a default on my credit file for a debt they registered as defaulted before they owned the debt??

Remember Barclaycard withdrew their default for the same debt in a matter of days, also I have written proof from the DCA themselves stating when the debt was Purchased (3 months AFTER they registered the default)!!

 

Could I raise this point with the CRA's immediately??

 

Please help - i'm in the process of trying to clear my credit myself - i'm doing an OK job so far but I'd really appreciate some useful advise on this :grin:

Edited by lornarobins
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Thanks BabyBear your a star!:D:D

 

1) Do you know what kind of letter I should write??? Is there a template or legal points I should raise in my correspondence??

I obviously would like the default removed at once, as i want to remortgage soon and don;t want to be put on hold for months!!

I'm pretty sure that they will not produce the CCA before 12 days and the account will automatically be in default.

 

2) Are they LEGALLY wrong for registering a default for a debt they did not own?? The original creditors have removed their default so i'm sure they can't claim they were acting on their behalf !

 

Any thoughts??? :wink:

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