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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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    • 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.
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Giving the keys back - advice needed


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Thank you Kirsty for your advice. Im just a little worried because I am not in arrears with anyone at the moment, I have stopped direct debits for my debts and end of this month I will then be in arrears. I havent told the mortgage company that I am moving out is that right?? I keep thinking Im going to do all of this and they turn down my request for bankruptcy, they cant do that can they?? unless they can see you have more money than you say. I am moving out this saturday do I need to inform anyone or should I just send the mortgage company the keys when I have finished?

 

It is a worrying/stressful time as you well know, I know I will be better off after it all and I know I will probably get an imcome payment order but I think thats only for 3 years, my debts are going to be going on a lot longer if I carry on the way Im going.

 

I must admit it is so comforting knowing there isnt just my hubby and I going through this, at the time you just think u are the only ones. When I came on here and read the posts it really perked me up.

 

Thanks for your advice.

 

xx

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Hi Katie,

 

U dont need to notify the mortgage company, just send the keys recorded delivery with a note advising them of who you are, a mortgage account or reference number and that you can no longer afford the payments on the house. Do not sign the letter either.

 

After we did this, they called us saying we needed to sign some forms saying we were giving the house back. Alot of people say do not sign anything but it is fine to do so BEFORE the bankruptcy. As anything signed after, could mess it all up and u could end up owing money to people!

With regards to council tax, the local council had to wait till we signed the letters and posted them back to the mortgage company and then they mortgage company would notify the council that you are no longer there, until this happens, you will be liable for council tax.

When u go to the court for the bankruptcy petition, they dont ask anything really. They just check over the forms, making sure its all filled in correctly, make u swear an oath on a bible and then take your money! They stamp your forms and get u a copy and advise how long it will be till someone calls you, all depending i suppose how back logged the judge is at the moment!

Hope this helps, any other questions, just ask!

Kirsty

 

PS. After i went bankrupt i was worried about a bank account, but i went to Barclays and they had no issue at all about it! Set 1 up and gave me a visa debit card! Not a solo card that my bank before i went bankrupt gave me!

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Thank you so much Kirsty, you have really helped me out a lot. I cant believe they issues you with a visa debit, thats really bad for them but good for you hee hee.

I know they also freeze your bank account, do I take out all my money before they do or do I leave the money in and let the official reciever give us spends for the month?

xx

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Also I got the bankruptcy forms yesterday, ohh my god there are a lot of pages and it all looks complicated, who helped you fill them in Kirsty coz I have been to citizens advice before and cant get through the 1st person to get to a financial advisor to help us, they say 'have you considered your options, what about an IVA etc...' I dont want a IVA or anything else for that matter, got too many debts, I want to be stress/debt free.

 

xx

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Hi Katie,

 

i filled in the forms myself, but the CCS did tell me if i wanted help, to give there bankruptcy line a call.

There is alot of forms but u can do it online slowly, so when u have all the information you need, you can fill it in online and you dont have to do it all at once as it takes ages! Go to The Insolvency Service Website and fill it in on there.

With regards to bank accounts, yes the day i went to the court i took everything out... i was gonna leave some in but my husband said to me that it might be months before i get it and i didn't want the hassle if they didn't give me it back. So just take it all! My bank haven't contacted me since i emptied it and went bankrupt (i had no debts with this bank either) so i assume they were contacted by the official receiver and closed down?

I had a lot of issues with people saying have you consider this and have u thought about an IVA.. its annoying as i had a lot of debts with Northern Rock who do not accept IVA at all! The CCCS told me not to consider an IVA as Northern rock never accept them.. its strange really as with an IVA they would of got something back but now i had to go bankrupt they get nothing!

And they wonder why Northern rock went down the pan!

When you get to the courts you are advised to see someone and talk about the bankruptcy 1st, like to discuss if its the right option and to make sure you are aware of all the consequences of it.

i did not do this as i have talked it through with the CCCS many times and was aware it was my only option, and i think i knew everything they was to know from all the leaflets the CCCS sent me and things on the internet (one being this website!)

I hope this helps!

 

Kirsty.

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hi katie, we have just gone bankrupt in may and just sent the keys back in july, best thing i have ever done.

 

just make sure you include the house in the bankruptcy or you may end up paying if there is a shortfull. if you need a hand with the bankruptcy forms just feel free to email me on here. the cca said my forms where the best they have ever sin, just had to go and have them checked to make sure i had done everything write, funny thing they asked me if i wanted a job lol!!

i wish you and your husband all the best, we are just waiting to be rehoused with the council as we are in temp housing, was going to private rent but it was to expensive round where i live, but as we have gone bankrupt we could not do that now anyway!!

 

all the best heidi

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  • 3 weeks later...

Hi, Sorry to keep asking questions but its all so confusing. here goes

"We had a court hearing in October for a loan we wanted to make lower payments on, the decision was to put a charging order on our home, they said we have to write to the solicitors acting on behalf of Natwest to agree to the charging order. We havent done anything because since then we have decided to go bankrupt, my husband has now got a hearing date for the same thing (to make lower payments), we have changed the date of the hearing because we want it a late as possible to give us chance to go bankrupt etc. We have now got a letter for the charging order (so I take it they have already done it without us signing anything), where do we stand with this if we go bankrupt, does this just get put in the bankruptcy or do we leave them to argue it out with the mortgage company?

 

Sorry its just so hard to explain. Also I have an appointment with CAB on the 11th December to fill in the bankruptcy forms for me, do you know if they take it over and do everything for you?

 

Many thanks

 

xKatiex

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