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    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • 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. 
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SD received in the post day**WON WITH COSTS**


tiglet
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I have received a lovely SD from Capquest today. Wonderful, just when I was starting to feel better again - another panic attack, anyone?

 

It was dated 7th August and only received it today so those 18 days are now down to 13 days. Great.

 

However, I have disputed the debt with Capquest on several occasions due to the OC not providing me with a copy of the CCA when requested. They have now sent me an application form, statements and copies of the T&C's from 2003 - however, I took out the card a couple of years earlier than this. Apparently, they have been charging me interest since they took over the debt (I've seen no notice of assignment) ad this is the first time I ahve seen this info.

 

Basically, do I have any grounds for asking for the SD to be set aside? I'm still not doing too well at the moment and my head feels a bit cloudy so I'm not exactly on the ball with what I should do next.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Here is the application form they sent - can you tell me if it's enforceable as a CCA as I don't want to get caught out: http://i509.photobucket.com/albums/s338/Tiggy-poos/capquestapplicationscan.jpg

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I would say also unenforceable.

 

I would try and get is set aside on the basis you dispute the debt and capquest have failed to produce any valid cca and full statment of account.

 

Ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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Its not enforcable as it has none of the prescribed terms on it. These must as far as I am aware be contained within the four corners of the agreement and not as seperate T&Cs.

 

Failing to produce a valid CCA is reason enough tho have the SD Set Aside

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I thought not - tahnks guys.

 

Any idea how to word it on the form? i'm going to pop to the court tomorrow and sort it out. Will it cost me anything (apart from the bus fare!) to do this? If so, can I reclaim the costs from Capquest?

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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It was dated 7th August and only received it today so those 18 days are now down to 13 days. Great.

 

The time limit starts on the day the statutory demand is served... which is the day you recieve it. i take it this was a first class post SD? In which case they probably aren't too serious anyway.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Its not enforcable as it has none of the prescribed terms on it. These must as far as I am aware be contained within the four corners of the agreement and not as seperate T&Cs.

 

Failing to produce a valid CCA is reason enough tho have the SD Set Aside

 

Hmmm... youre the first to agree with me on that point, i wonder why?

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Those of you who know what I precarious emotional state I've been in recently would have been very proud of me today.

 

I telephoned the court where Capquest said I had to fill in the forms (about 50 miles away) and was told I could do it at my local court. BONUS!

 

I got the kids ready and, in my state, managed to leave everything at home. Fortunately, I remembered before I got on the bus and so went home and retrieved everything - i managed to catch the next bus.

 

Bus journey was a nightmare as I had another full-blown panic attack, but this time with no where to hide and breathe into a paperbag. But I got through it - didn't get off the bus, didn't turn round and come home, I got through it. I am proud of myself for that when every instinct was telling me just to run away home.

 

Fortuantely, the court is about a mile outside the centre of Canterbury, so I had a long walk in which to somewhat calm myself. I was still shaking when I went in, but the court staff were absolutely lovely with me.

 

I filled in the form and I think i did an OK job of it. i basically stated that the original creditor had been in default of my CCA request since February 2007 and I had invoked the complaints procedure at Capquest and they were well aware of the breach too. I quoted the relevant sections of the CCA 1974 (all prepared before hand) and my parting shot was that in my opinion Capquest were persuing this route as they knew it would be unenforceable in the small claims court. Hit panic again as while I was swearing the affadavit, my two year old wee'ed all over one of the chairs. They were very nice about that too.

 

I was obviously agitated, but the lady at the counter was lovely and took my phone number and promised someone would look over my form and phone me if there was a problem. Job done, feeling weak as a kitten and with a slightly damp child, I headed home.

 

I know many of you have gone through horrendous court cases etc., and I'm not for one minute comparing this, but for me at this moment in time, this was a big achievement and I want to say a big thanks to this site because if I hadn't gained all of the knowledge I've gained over the last couple of years, and hadn't had the support I'd had over the last couple of years, i probably would ahve taken out a loan and paid them off just to have some peace. Thank you all.

 

Clarity, if you're reading as I am well aware you have been - the lettter's in the post!

Edited by tiglet
..

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Thanks guys - I do feel slightly guilty that the court has a chair smelling of wee though!

 

One funny point was when I was desperately trying to fill in the forms and very upset, a judge walked in. He had a brief word with someone at the counter about something and I think they told him I was distressed. he sat for about three minutes, in full gown and wig doing Donald Duck impressions for my children!

 

What a lovely guy.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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That is the best story ever. My child loves going to the court buildings with me- security guards, big metal detectors and people in funny costumes (hopefully judges). Heaven for a toddler.

 

Tiglet, I really admire you- I hope if and when I have to deal with a SD, I manage to do it as well as you. I had hysterics for about three days trying to do my court bundle for bank charges.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Thanks guys - I do feel slightly guilty that the court has a chair smelling of wee though!

 

One funny point was when I was desperately trying to fill in the forms and very upset, a judge walked in. He had a brief word with someone at the counter about something and I think they told him I was distressed. he sat for about three minutes, in full gown and wig doing Donald Duck impressions for my children!

 

What a lovely guy.

I don't think those were impressions, they actually talk like that, :)

 

On a more serious note:

In case anyone wants to see what a SD from Caqpest looks like I've scanned one in. Hopefully it is identicle to the one Tiglet had.

I'm not thread hijacking as I don't need help per se, just letting the people know what they look like and if indeed anything is wrong with them.

Mine DID come by 1st class.

 

Letter

 

Page 1

 

Page 2

 

Page 3

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EXACTLY like mine (apart from the particulars and date).

 

Don't think you are hijacking at all sweetie - have you applied for this to be set aside yet? Trust me, if I can do it, anyone can.

 

Very funny to think all judges sound like Donald Duck!

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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No doubt you will follow the advice of Most members on this forum and apply to have this joke set asoide. You should ask the court for written explanation from these clowns as to why they were unable to serve the SD personally

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Thanks saintly - hasn't been agreed yet, so one step at a time, one step at a time ...

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Swines have just done the same to me :eek: Do they know who I am and that I have mates in high places like KM - the honorary member of the Cabot Fan Club? :D

 

Must be getting desperate for cash if they are sending these out ten a penny. I may have to compare notes with a few of you, not had one of these before :mad:

 

Sarah

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