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    • 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.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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Really Disappointed With Cag


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Well I wust say I'm really disappointed with this forum regarding my previous posts.

It seems only a few people are prepared to help. All seems very cliquey.Some get help others like myself and my husband,who are really as desperate as most other people don't.

I'm sorry I wasted my money on donations. Won't be using this again

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Can you explain more? Some of the cliquey people may not have a good enough knowledge of the issues to advise you.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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please spoon feed me..and if i dont like or understand what i read i'll blame CAG and call them names...............

anyhow, sorry but not my field all this court stuff.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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dx, forums can appear from the outside to be Clique(it is only natural when you get used to the names, etc,etc,). Not sure that the comment is necessarily justified but the OP on their thread may not have been aware of the REPORT button(the red triangle underneath your username) which you can use to get attention to the thread. For reference, I have used that tonight because I know site team will see the report and hopefully someone may be able to advise correctly.The OP asked, bumped and asked again over a two week period, I think from looking at their thread.

I have to say that its not something I could advise on, but I understand how the OP could have arrived at their comments that they made.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Of the 3 threads (2 of which are related to this issue) there appears to have been lots of help and advice given.2 of the threads actually ask the OP for further info which were not responded to.

The latest thread has a gap between July and recent days in which nothing was posted.

Remembering that its a bank holiday weekend and so numbers are thin,I dont think its really fair to suggest the things thats been said.There has been substantial input from at least 2 users one includes site team-Pt is actually very busy with his own professional work at this time.

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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yes well, i'm just very upset at the moment. my husband has been very severely depressed over the last months, since may in fact, and due to the stress of having to go to court twice in the last week,on top of that he has suffered a nervous breakdown and is currently in hospital. i am having to stay strong for our 4 year old twins, trying to explain things and keep everything fairly normal for them. our only real hope of help was on here. it would have helped if i had been acknowled instead of feeling ignored and the post going further down thelist. anyway it doesnt matternow, they can all have what they want. i just want my husband back to normal.

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Maria - Your situation sounds awful, why not lets just all take a step back - see if you can respond with the 'required' info to your earlier posts and let the people here get things back on track for you.

 

Obviously wishing your husband the earliest recovery.

Veester

 

"Challenges are what make life interesting; overcoming them is what makes life meaningful." -- Joshua J. Marine‏ ;)

 

Better than the truth itself is truthful living.

 

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yes well, i'm just very upset at the moment. my husband has been very severely depressed over the last months, since may in fact, and due to the stress of having to go to court twice in the last week,on top of that he has suffered a nervous breakdown and is currently in hospital. i am having to stay strong for our 4 year old twins, trying to explain things and keep everything fairly normal for them. our only real hope of help was on here. it would have helped if i had been acknowled instead of feeling ignored and the post going further down thelist. anyway it doesnt matternow, they can all have what they want. i just want my husband back to normal.

 

 

Mariacallas,

 

i appreciate your situation and the problems which you have, however im afraid i have been unable to look in on your thread as i have work commitments which i cannot avoid, for fee paying clients whom i have a duty to first and foremost. my spare time i dedicate to helping people on here as do the rest of the site team

 

however, there are but a few of us and many people needing assistance so it is inevitable that a few posts will go unanswered and we must NOT lose sight of the fact that this is a Self Help forum where the information is provided in the main and people do need to do a little research and reading for themselves, the site team back up that with assistance but we cannot conduct the full case for you, only a solicitor could do that really

 

i have responded on your thread and i would like to point out that i started drafting documents at 6 am and i will be working through the night to get the documents i need done by the morning for submission to the court so i am taking time out to help

 

so i am not ignoring you nor are any of the other users and i am personally quite offended by the first post on this thread

Edited by pt2537
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i would just like to put my two cents in

 

people like pt and stephen have put more into this forum in helping people than most.

i know as ime one of them.

 

these people give up there free time to help us all.

 

please do not run down cag, its a god send to people in trouble

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In full agreement with postggj.

 

I had no idea how to deal with the financial mess I had when I joined CAG although I did have some knowledge of the court system etc. I spent many hours reading this forum & also other reference sources (not to mention sleepless nights) before I formulated a plan of action that suited my personal situation.

 

To date I have not asked the site team for assistance but the advice I have received & the knowledge I have acquired has been invaluable in giving me the confidence & know how to move forward & resolve the difficulties I faced. I am still walking the road but can now see the light at the end.

 

My mother always used to say ' God only helps those who help themselves' & you have to remember Maria, that this forum is a helpline not a free legal service. The contributors (particularly the experienced site team) here are volunteers, giving up valuable spare time that they could otherwise spend in recreation or with their families to help those in need & they should be valued & appreciated.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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I would like to let you all know. that i DID spend many, many hours and nights looking throuh relevant threads Before i joined and asked any questions. And yes I know it is a self-help forum, and yes I don't expect it to be a FREE legal service which is why I HAVE donated.

I really dont need all this hassle. My priority now is my two little girls, who want to know why their daddy is not at home, and what to tell his employer tomorrow morning,as he has spent all this time not talking to anyone about our problems. And for PT this morning at 6am I had been at the hospital all night...with 2 tired and upset little girls who do not understand any of all this.

M

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I would like to let you all know. that i DID spend many, many hours and nights looking throuh relevant threads Before i joined and asked any questions. And yes I know it is a self-help forum, and yes I don't expect it to be a FREE legal service which is why I HAVE donated.

I really dont need all this hassle. My priority now is my two little girls, who want to know why their daddy is not at home, and what to tell his employer tomorrow morning,as he has spent all this time not talking to anyone about our problems. And for PT this morning at 6am I had been at the hospital all night...with 2 tired and upset little girls who do not understand any of all this.

M

So thats it then, you gonna give up?

 

Or are you gonna fight?

 

I too have children and can understand how your feeling and before anyone comes along as says i could possibly know, well let me tell you i suffered depression and a breakdown myself, and in fact im still on antidepressants

 

I am sure you dont want my sympathy and let me just say i was trying to point out that i was taking a break from my work, work which i started this morning which i may have had finished if i hadn't stopped to look in and try to offer some help and to offer you an olive branch yet it would seem that is not enough? maybe i should just go back to my work eh? what do you think?

 

its up to you, your choice, what do you want me to do do you want us to try and help? or not?

 

 

i think that now is probably not the best time to go over things anyway as you are not in the best frame of mind it seems and that is totally understandable , have a think about this in the morning and see where we are, if you want our help then let us know but please bear in mind that i am in and out of court all next week so my time is limited

 

Regards

paul

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i understand what you are saying

your family is the most important thing at the moment

all i can say is i to was in severe depression. this was brought on by my debts, dca, etc.

like most people , i could not afford a solicitor.

it was cag that got my life back on track.

 

after your family prob start to improve please come back to your thread.

 

all i can say is there is light at the end of the tunnel, i am proof of that

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I'd just like to add that i joined up here in Dec 2006 and am STILL finding threads that are ongoing and yet have been around longer than mine. It's a massive site and it's easy to get lost in the soup sometimes. You just have to shout out a little louder on occasion but there are good folks here to help.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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So thats it then, you gonna give up?

 

Or are you gonna fight?

 

 

Get in there & fight Maria - don't let the b***ds get you down! :)

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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I'm sorry but as much as I understand everyone else's response I'm not going to pussy foot around.

 

This poster needs someone to blame & if that means us sobeit.

 

I like many others have given our time free at all hours of the day & night. I for one don't do this because I'm a debtor because I'm not I do it because I want to help & it pee's me right off when I see such comments from someone who demands attention............... Well they won't be getting mine that's for sure

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There are many threads on here and its possible some get missed. Sorry if thats what happened to mariacallas but everyone on here is a volunteer. I do not post replies to threads where I do not have sufficient knowledge to answer.

 

Most of us joined CAG because we were/are sick of the lies and bullying of DCAs and their threat monkeys and we pass on what we have learnt to others. We do this willingly and without financial gain. Reward for me is seeing a DCA getting landed with an unenforcable debt and knowing they cannot CON the alleged debtor any more.

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Even if we've messed up we'd still like to put things right. In fact I insist upon it.

 

I've been back over your earlier posts. From what I can gather the debt is part admitted but the admin charges and interest is disputed. You made an offer of payment in relation to the admitted sum and that offer was rejected. But despite rejection, the court intervened and imposed an order for you to pay £11.28 pcm, received 19 June 2008.

 

In short the disputed amount was subject to trial but the remainder was to be paid at the rate of £11.28 pcm.

 

Where are we right now? Is the dispute debt being prosecuted? Are you maintaining £11.28 pcm? What's the pressing issue?

 

Let me know. Decent answer within 6 hours of responding guaranteed.

 

x20

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I like many others have given our time free at all hours of the day & night. I for one don't do this because I'm a debtor because I'm not I do it because I want to help

 

We do this willingly and without financial gain. Reward for me is seeing a DCA getting landed with an unenforcable debt and knowing they cannot CON the alleged debtor any more.

 

maybe i should just go back to my work eh? what do you think?

 

 

Please, you guys, do not desert us 'cos of one disenchanted, frustrated member.

 

You must be aware from both the personal & public comments you receive that the VAST majority of this forum value your opinions & advice.

 

Mariacallas' comments seem without foundation but her desperation is understandable if not her attribution of 'blame' & your own outrage & indignation at her remarks is justifiable.

 

However there is no doubt that CAG works for the 'little' man who does not have access to money & resources & without it there would be nobody to champion his cause or shout for his justice & rights against the 'big boys'.

 

Please continue to support us...

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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please spoon feed me..and if i dont like or understand what i read i'll blame CAG and call them names...............

anyhow, sorry but not my field all this court stuff.

 

dx

 

Mariacallas,

 

so i am not ignoring you nor are any of the other users and i am personally quite offended by the first post on this thread

 

I'm sorry but as much as I understand everyone else's response I'm not going to pussy foot around.

 

This poster needs someone to blame & if that means us sobeit.

 

I like many others have given our time free at all hours of the day & night. I for one don't do this because I'm a debtor because I'm not I do it because I want to help & it pee's me right off when I see such comments from someone who demands attention............... Well they won't be getting mine that's for sure

I'm really disappointed at some of the responses that the OP has received. I understand why pt2537 may have felt offended, but I'm sure the OP was and still is worried and feeling as if she was being ignored.

The problem with living with someone suffering from depression is that at times everything else has to be put on hold and that is most probably why the OP did not continue with the other threads.(I know from experience as my husband had a breakdown when our 4 children were aged between 2 &7).

As to this being a self help site, while this is true and there is a lot of information available, it's not always easy to find the exact information you need as many veteran caggers have proved by posting requests for help and information.

Please note: I have no qualifications in this area and any advice offered is given in good faith.

 

 

http://www.financial-ombudsman.org.uk/publications/Ombudsman-news/40/40_setoff.htm

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Where are we right now? Is the dispute debt being prosecuted? Are you maintaining £11.28 pcm? What's the pressing issue? That is what we would all like to know, if we did we would have answered!!!!!!!

 

Let me know. Decent answer within 6 hours of responding guaranteed.A decent answer? whats that supposed to mean? we have given decent answers on the thread and had no replies to requests for more info,comments like that get right up my nose and are really unhelpful

 

x20

:mad:
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Please, you guys, do not desert us 'cos of one disenchanted, frustrated member.

 

You must be aware from both the personal & public comments you receive that the VAST majority of this forum value your opinions & advice.

 

Mariacallas' comments seem without foundation but her desperation is understandable if not her attribution of 'blame' & your own outrage & indignation at her remarks is justifiable.

 

However there is no doubt that CAG works for the 'little' man who does not have access to money & resources & without it there would be nobody to champion his cause or shout for his justice & rights against the 'big boys'.

 

Please continue to support us...

I have no intention of leaving. I did not respond to Mariacalls's original thread as I thought based on the limited imformation she had goven she got a fair answer. Despite several requests for more info she did not respond. I did not see any point in responding as it was not a subject I felt confident in responding to.

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I think its obvious that marie was upset when she made her opening post and probably made it in haste.

Although we all acknowledge that this is a self help group some people (myself included) seem to need more help and reassurance than maybe some others do.

 

I know I have posted sometimes and not had a reply and felt quite desperate about getting someone to read through my post. I dont know why but sometimes if dont get a reply I start to worry that maybe I have offended or upset someone. I know its not logical thinking but thats what worry can do to you. I think that the more you learn from this site the braver you become, but that in a way has a double edged effect. In my case (or cases!!!!) I have been reading everything and although it fires you up to stand up to these people, as you learn more and take more on you also start to doubt yourself and wonder if you have bitten off more than you can chew.

 

I think this is a great site and I will be forever grateful to a lot of people who have continually helped me in many different ways. Without in any way undermining the help others have given, (and there are many I could mention but wont because if I leave someone out I would feel awful) I do have to say that I owe PT a great deal of thanks. The time and effort he puts into helping on this site is amazing. I always look who is onsite when I log on and its rare that he is not on. However I also think that he has become a victim of his own sucess in a way, the more he does, the more that is expected of him.

I think we all have to be more appreciative of all those who help. I think we also have to realise that everyone starts somewhere and while I will not post a reply unless I am certain that what I am posting is correct there are occasions where I have read replies that have been posted with the best intentions but are not always giving accurate information, which is where it becomes important to read all you can.

 

This is where the 'clique' problem comes in. As you become more conversant with the site some names become familiar. You then fall into the trap of wanting your post to by responded to by the familiar names you have come to trust. Obviously those names could not possibly respond to every post made and so its easy to start to think 'whats wrong with my thread?' when they dont respond.

We have to remember that these people give thier time freely and although it would be nice to have them all sat round a table waiting for us to post it isnt going to happen. Therefore we have to appreciate what help we do get from this site because I for one (and Im sure I speak for many others) would be lost without it.

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Hey slow down there PT. That 'really unhelpful' of yours has you beginning to sound like Maria! The comment I made was simply to let Maria know that if she let us know what the position and the pressing issue was right now, she'd get a decent answer. There wasn't a trace of criticism of anything that had gone on before!

 

I think your response illustrates the difficulties we operate under. We all want to do our best but we only have text to go on and often that's not enough to get either the correctly phrased question or the answer across in a way which is clear and understandable to everyone.

 

x20

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