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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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Never signed agreement! ** WON**


mike77
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Hello there, i was wondering if anyone could offer me any advice. I took out a loan with hsbc march05 for around £8k, in may05 i took out a further loan to pay the 1st loan off, In july06 i was provided with a managed loan of £**** to repay my second loan as i was struggling with the payments. i never signed any agreement for the managed loan. because of this my debt was somehow "lost in the system", and only when my account went overdrawn around 12 months later did the bank finally see no payments were ever requested from me. they defaulted this managed loan in feb08. it was passed to metropolitan. i have made five payments to them but then contacted the financial ombudsmen who issued a complaint on my behalf. i have received a response just outlining when my loans were. I have now written a letter to the bank asking they send me a signed copy of the managed loan agreement. I NEVER SIGNED ONE! does anyone know where i stand on this and what i should do?

Michael

Edited by mike77
to alter or hide exact amounts so as to hide my identity!, im sure banks read these posts!
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If you didn't sign an agreement then the account is unenforceable.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thanks for reply rory, do you have any idea how i would go about getting rid of this debt and getting my default removed?

Edited by mike77
spelling mistake (im a bit of a stickler for that)
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Hi Mike , welcome to the forum :)

 

As you have allready sent a letter requesting a copy of you Loan agreement and received no satisfactory reply .. try sending this letter , suitably amended if necessary......

 

Reference ....... (your letter of xx xxx xx)

I am disappointed that you have failed to respond to my request for a copy of my Loan agreement to which I am entitled under the Consumer Credit Act 1974 (Sections 77−79). A copy of this letter is attached for your convenience.

I have previously enclosed a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

I understand a copy of our credit agreement should be supplied within 12 working days.

I am sure you also understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

Failure to respond positively will be reported to the Financial Ombudsman Service and the Office of Fair Trading.

Yours faithfully

Do not sign the letter with your normal signature in case it accidentally appears on a Loan Agreement....:rolleyes: . Either print your name or sign with a uniquely identifiable signature.......

And of course send the letter 'Recorded Delivery' - so someone has to sign for it ........

If you need further advice on this just come back and ask - someone will answer - and we're a friendly bunch on here :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

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With regard to your Default removal query Mike - try these links and see if they help you :

Removal of default ( courtesy of freakyleaky)

http://www.consumeractiongroup.co.uk/forum/legalities/24013-defaults-proposed-method-removal.html

Courtesy of Andyorchy – default check list (IMPORTANT)

http://www.consumeractiongroup.co.uk/forum/show-post/post-1604130.html

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

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Getting the default removed will be more difficult than getting rid of the debt. Anyway here's how I got rid of a debt when the creditor finally informed me that they no longer had a copy of the agreement http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/93884-wescot-rbofs-oh-dear.html

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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It'll be interesting to see how it goes, Mike ........ :). We all learn from each other's experiences on here .......

 

Best of Luck...:D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Good morning everyone, on friday i received a copy of the signed loan agreement from "MARCH 05". But this was obviously NOT what i requested, as i asked for the "managed loan agreement from july 06". am i correct in thinking that even though i did sign for the first loan, the second loan (which i also signed for) paid this off, the managed loan then in turn paid off the second loan. so the only loan they are chasing is the managed loan. (I have it in writing from the bank that this is exactly what the loans did) I DID NOT SIGN FOR THE MANAGED LOAN.

Shall i now send the letter that Johnnymitch suggests above?

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Hi Mike,

just to let you know that I have just CCA'd hsbc aswell for my managed loan that we've had for about 3 years which I know we didn't sign as OH was in the States at the time.

They sent a reply last week saying that they needed me to sign my request so that they could proceed - what rubbish! I obviously don't need to sign so sent a letter stating that so I'm just waiting to hear back from them.

Good luck

Lisa x

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am i correct in thinking that even though i did sign for the first loan, the second loan (which i also signed for) paid this off, the managed loan then in turn paid off the second loan. so the only loan they are chasing is the managed loan.

Correct and this is what they need to provide paperwork for.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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So do I mike - :) hope it works for you .......

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Thanks mike - it's not the amount - it's the thought that counts, mate :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 2 weeks later...

No response as yet from HSBC after my CCA request posted on 3/11/08 which they received on 4/11/08...funny how they responded to my previous request after only 2 days but sent the wrong information back! rather a pointless message this as obviously no further developments but just thought id keep a full update!

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Thanks for the update Mike, :)

 

As it's 12 working days from when they receive it , they've a little bit of time left before they're in breach .... but don't let 'em off the hook if they don't comply ......

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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ah didnt realise it was 12 working days, thought it was just 12 days!, cheers Johnny. Actually it wouldnt really make any difference if it was twelve hundred working days as they cant send me the signed agreement. As i NEVER signed one! so unless someone at the bank has the sudden urge to forge my signature, they wont be complying with my request!

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Be nice to get a letter admitting it though, mike - in 12 working days - not 1200 ....LOL :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Just received a call from HSBC bank (it was a girl from my local branch) asking if i could talk, i said no. they said they have received my request and they are currently dealing with it. I know the girl that rang as i have dealt with her before in the branch. it was difficult to tell her to just put everything in writing as i really get on with her! and shes sexy as hell!, there was quite a bit of chemistry between us during our previous encounters! arrrrgg, HSBC and there numerous tactics!!!!.......well they obviously want to get this sorted in another way as they obviously havent got the signed agreement, otherwise they would just send it! I EAGERLY AWAIT THEIR RESPONSE!

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Invite her out to lunch and ask her to bring the agreement with her mike.... :lol:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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;)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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