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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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      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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Link claimform - old GE Money debt **CLAIM STRUCK OUT**


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Just tweeked your para a little. Is it groveling enough? Obviously don't want to overdo it.

 

Should I addresses it Dear Your Honour, Judge, Sir, Madam, leave the dear bit out, not address it all just go straight into the letter, any suggestions please?

 

 

Claim No. 111111111

Link Financial – v - xxxxxxxxxxx

 

 

I do apologise for taking up the valuable time and resources of the Court, however, as I have been put to considerable trouble and expense by the Claimant, to defend, a seemingly spurious and vexatious claim, I thought I would call upon the Court to consider the enclosed Application in recompense of my Expenses in defending this claim.

 

Once again I do apologise in advance to the Court for the valuable time and resources spent looking into this Claim for me.

 

Yours faithfully

 

A N Other

 

Go back and work on charges now will post that up for advice before sending tomoz.

 

DG

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Slightly amended, othewise fine. Address it to the Court Manager - Dear Sir/Madam

 

 

Should I addresses it Dear Your Honour, Judge, Sir, Madam, leave the dear bit out, not address it all just go straight into the letter, any suggestions please?

 

 

Claim No. 111111111

Link Financial – v - xxxxxxxxxxx

 

 

I do apologise for taking up the valuable time and resources of the Court, however, as I have been put to considerable trouble and expense by the Claimant, to defend, a seemingly spurious and vexatious claim, I would be grateful if the Court would consider the enclosed Application in recompense of my Expenses in defending this claim.

 

Once again I do apologise in advance to the Court for the valuable time and resources spent looking into this Claim for me.

 

Yours faithfully

 

A N Other

 

Go back and work on charges now will post that up for advice before sending tomoz.

 

DG

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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  • 2 weeks later...

Hi folks,

 

Just got back from an interview to a letter from the monkeys just within the 14 days

"We write further to the above and your letter of 1st May.

 

We note your request for us to cease the processing of your data under the Data Protection Act. However, as there is a balance outstanding under the above numbered agreement, we will continue to attempt to recover this sum and will proceed accordingly, using the data in our possession."

 

Same monkey signed it. They must be spitting the dummies out again and going ape sxxx up the trees.

 

 

Finally got round to doing costs, thought something like 20 hrs research and the postage comes to around £230.00 - what do you think is it a bit much or ok

DG:D

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We didn't get that far I was looking forward to that bit but thrown out without me going.

DG:D

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  • 2 weeks later...

Hi All,

 

Had no response from the Court as yet re costs I'll give them another few days.

 

Well all seems quiet on the monkey front at the moment not heard anything for at least two weeks.

 

I was wondering if I can try to reclaim some of the account cover costs back as they stopped it immediately I went onto the DMP. The cover went up every month more and more and obviously there was interest added to that cost. (We are talking in excess of £80 per month).

 

I assume it works out say eg £80 pm for 12 months = £960 obviously it is a different amount every month. When I went on the DMP it was obvious they would not pay anything out so I'd been wasting that money every month for all those years.

 

Is it worth doing and should I send the letter to GE or the other monkeys?

 

Any suggestions? Hope you've all had a good bank holiday.

DG:)

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Hi BB

 

Yes I did get more or less a full set of statements.

 

Another thing I was wondering as the monkeys got it wrong re signed agreement can they at anytime go after me for the original store card debt? I've still been paying GE and they've still beein accepting it which to me seems a bit strange if they were supposed to have sold it on.

 

DG:)

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Just noticed on the Ministry of Justice site re Civil Procedure Rules Part 16 the following:

Defences which appear to fall within rule 3.4(2)(a) or (b)

3.1

A court officer may similarly consult a judge about any document filed which purports to be a defence and which he believes may fall within rule 3.4(2)(a) or (b).

 

3.2

If the judge decides that the document falls within rule 3.4(2)(a) or (b) he may on his own initiative make an order striking it out. Where he does so he may extend the time for the defendant to file a proper defence.

 

As mine was struck out would the judgement state they would be given more time if that was the case as mine just said - claim is truck out? Just a thought.

DG:)

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Sonds like the agreement they were sold is an equitable assignment...

 

If that's the case, Link did not have a legal right to issue court proceedings in their own name.

 

Just noticed on the Ministry of Justice site re Civil Procedure Rules Part 16 the following:

Defences which appear to fall within rule 3.4(2)(a) or (b)

3.1

A court officer may similarly consult a judge about any document filed which purports to be a defence and which he believes may fall within rule 3.4(2)(a) or (b).

 

3.2

If the judge decides that the document falls within rule 3.4(2)(a) or (b) he may on his own initiative make an order striking it out. Where he does so he may extend the time for the defendant to file a proper defence.

 

As mine was struck out would the judgement state they would be given more time if that was the case as mine just said - claim is truck out? Just a thought.

DG:)

 

I believe if the order is made without a hearing, the claimant has seven days to object to the claim being struck out, but as in my own case, they sometimes submit an application further down the line, and the court let them get away with it. Magda

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The only significant difference between a legal assignment and an equitable assignment is that an equitable assignee often cannot bring an action in its own name against the third party, but must fall back on the rules governing equitable assignments and join the assignor as party to the action.

 

AC

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Exactly AC and if it the case that Link has only an equitable, they should have issued the proceedings jointly with GE. I would love to see one of the Deeds relating to an assignment involving Link, as I am not convinced they have all the rights that they claim as far as court action is concerned. Magda

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Yes, doesn't surprise me, and reading on another thread, someone pointed out that they think there is some kind of connection (apart from the obvious) between First National and Link as well. Apparently they both have office based in Caerphilly, practically at the same address, and one things for sure, they certainly seem to deal with a lot of FN and GE Money accounts as well as MBNA. Magda

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What I was wondering is if I go down the Account Cover charges who would I send the letter to would it be GE as I've been paying them every month not Link as they would never give me account details, so somewhere along the line someone has had over £800 off the debt which has never been sent back to me.

Also is there some sort of template letter anywhere I've been looking around but not been able to find one.

Also got another thread going - Crap1 and Me.

I don't know if I"m thick or what but I still can't get to post links any suggestions as to what I'm doing wrong? No naughty suggestions please:D

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Sonds like the agreement they were sold is an equitable assignment...

 

 

What does this mean? dont want to hijack but no idea what this is and link say they got an equitable charge on our home?

 

sorry diamond girl, just really confused as to this.

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What does this mean? dont want to hijack but no idea what this is and link say they got an equitable charge on our home?

 

sorry diamond girl, just really confused as to this.

 

Thats ok miziwizzi if it helps you - Ministry of Justice website is very help full but you will need to trawl through it unless someone can come up with an answer for you.

DG:grin:

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Thats ok miziwizzi if it helps you - Ministry of Justice website is very help full but you will need to trawl through it unless someone can come up with an answer for you.

DG:grin:

 

 

Oh thanks, will look it up, they are a horrid company to deal with and am looking for any little detail throw at them, good luck with your case am watching with interest.

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Equitable assignment means they've bought the rights to collect on the account but not bought it outright and can only take you to court as a co-complainant with the original creditor. Absolute assignment means they've bought the debt outright and can take you to court in their own name.

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Equitable assignment means they've bought the rights to collect on the account but not bought it outright and can only take you to court as a co-complainant with the original creditor. Absolute assignment means they've bought the debt outright and can take you to court in their own name.

 

Just a quick question regarding Absolute Assignments, if reclaiming charges & PPI is it the OC or DCA who pays the claim :D

 

Ta Muchly

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