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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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      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.

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HBOS and OH's card debt


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Wow lexis

 

superb letter i am in the process of deleting my inbox so will quickly now send you an update

 

im helping a friend with house possession, and soon be off but will be back after we have gone to court

 

laters angel x take care

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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I've added quite a bit to the letter in order to try and get the result I'm after, and tweaked the parts I already had.

 

 

"Your letter of (whenever) implied that you were going to send me a fourth copy of the application (you state application agreement, but again, as you know, the piece of paper you have sent 3 times to date is far from an agreement) within 14 to 21 days of your letter. As of today nothing has arrived."

 

Does that sound better ? :D

 

Superb:) Would it be worth adding something about the CPUT regs as well? Even RBS have said they're worried by CPUT:D

 

Lexis, Babybear has a thread on this. I will just go see if I have a link for you.

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4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Actually, it wasnt BB although she does have quite a lot of input regarding these regs on her threads.. it was BankFodder

 

The link below has a link to the regulations and also a letter to send to the OFT in respect of an invalid document.

 

http://www.consumeractiongroup.co.uk/forum/consumer-protection-unfair-trading/147830-complaint-oft-respect-invalid.html

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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oh dear, sorry Lexis :D

 

I wouldnt like to say if they have the intelligence to connect the two.

 

The last letter I received from them indicated that someone had gone through each of my bullet points and replied to them. Neither intelligently or with sufficient knowledge and certainly their reply didnt make much sense.. but each of the points was answered:rolleyes:

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Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Apology accepted:D

 

I've just had a quick look at the regs, thanks. Would I be right in thinking a lot of it seems to relate to buying a product? Ones like this:

Making a materially inaccurate claim concerning the nature and extent of the risk to the personal security of the consumer or his family if the consumer does not purchase the product.

Now not necessarily with BOS, but could this relate to when you're told you'll lose your house if you don't pay the £3.50 arrears you have (or similar). You're not buying a product, but they are misleading you for their gain.

 

I certainly think the first couple encompass a lot of what they've been doing, but I think I'll just add a line on my list of people to complain to indicating that I will be mentioning their disregard for CUPTR rather than going into the specific areas they have breached, otherwise it's going to take them the best part of a day to read my short novel:)

Time flies like an arrow...

Fruit flies like a banana.

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Apology accepted:D

 

I've just had a quick look at the regs, thanks. Would I be right in thinking a lot of it seems to relate to buying a product? Ones like this:

Making a materially inaccurate claim concerning the nature and extent of the risk to the personal security of the consumer or his family if the consumer does not purchase the product.

Now not necessarily with BOS, but could this relate to when you're told you'll lose your house if you don't pay the £3.50 arrears you have (or similar). You're not buying a product, but they are misleading you for their gain.

 

I certainly think the first couple encompass a lot of what they've been doing, but I think I'll just add a line on my list of people to complain to indicating that I will be mentioning their disregard for CUPTR rather than going into the specific areas they have breached, otherwise it's going to take them the best part of a day to read my short novel:)

 

To be absolutely honest, I dont have a clue Lexis. I have seen it mentioned in defences as well I think BRW has a reference to it. Yes, I think in absence of absolute certainty of the correct bits to add, then go with what you have already. I did in fact purchase from the Government stationery office, the regulations and just havent had time to read them. Methinks now would be a good time to start.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Right, that's it done, and I'm not printing again seeing as it takes about 57 pages:D

 

Plus the fact they'll skim read it, ignore any points I've made and send OH another pointless template letter or poorly written note means I'm not spending any more time on it!!

 

I really must put in a complaint to the FOS and get a bit of comp for all the time this has taken:rolleyes:

Time flies like an arrow...

Fruit flies like a banana.

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Right, that's it done, and I'm not printing again seeing as it takes about 57 pages:D

 

OMG.. are you after a booker prize? :D

 

Plus the fact they'll skim read it, ignore any points I've made and send OH another pointless template letter or poorly written note means I'm not spending any more time on it!!

 

I really must put in a complaint to the FOS and get a bit of comp for all the time this has taken:rolleyes:

 

Shall I add in some for the time you lot have taken to help me too? Then I can buy you a drink:D

 

Oh definitely, just add up the contributors to your thread x that number by the amount of hours you have spent working on the letters - think of a number between 1 - 99 and multiply the previous figure, slap in your invoice and bobs your uncle.. :D

 

If you arent able to buy me a lemonade after that.. !!!

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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nice letter earlier lexis! Probably one of the longest i've seen but action packed and should hit them where it hurts.

My only thoughts are that ending it with threats of going to the regulatory bodies wont be taken to heart and will not scare them.

Only Court action seems to have that effect. I would seriously consider that if the response is unfavourable to you. Perhaps ask a Solicitor (their letters may be taken more seriously.) I am considering searching around for one myself..

:!: -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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Thanks davey:)

 

I know it's a bit of a mammoth one - I wasn't going to put the quotes from the Acts in, but then I thought it won't hurt me to state it again. If it goes to court it just shows the judge they were told time and time again. Like I said though, I was happy enough until I read yours:rolleyes:

 

As it happens, I have a very good friend who's best mate is a QC. I'm just wondering if it would be stretching it to ask him to pen something for me:)

Time flies like an arrow...

Fruit flies like a banana.

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UD.. yes i'll let folks know if i find a solicitor that knows his/her business. It would be nice to reply to any letters: 'please send any further correspondence to my Legal Representative'! hmmmmm

 

Lex.. it doesn't hurt to ask! You have to use any means at your disposal to beat them.. Even the draftsman of the CCA thought the Creditors should be punished for failing to create proper documents:

 

BennionCCA.jpg

:!: -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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No problem, I just hope you get somewhere with them!

 

They've just sent a DN to OH. Silly old chaps though, only gave 14 days from date on letter to remedy, and then went on to send it second class:D Twits.

 

Lets hope they terminate on the back of this DN, then we have an unenforceable agreement to begin with, and an unlawful termination too:)

Time flies like an arrow...

Fruit flies like a banana.

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