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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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Collect Direct (UK) [barclays stockbroker debt] Court Action Warning


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Here is correct JPEG

 

This is strange letter I have just recieved :confused:

 

The unsigned letter is from a solicitor acting on behalf CDUK whos client is barclays. The letter also states that correspondance should be sent back to CDUK. I also noticed they are at different addresses. Has any had anything like this before?

 

CDUKGPB-1.jpg

 

Thanks

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Standard scare tactics. The letter may have been issued by CD themselves using GPB headed paper. Some lawyers allow their DCA clients to do this which is extraordinary given that they are supposed to do appropriate due diligence to make sure that the letters sent out in their name are factually correct.

 

You'll note the use of 'may' rather than 'will' throughout the letter. This is to allow them to not issue proceedings without any regulatory issues.

 

It's unlikely that this letter is the precursor to legal action. It's more likely to be an attempt at intimidation.

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Thankyou Seminole....I thought that would be the case. I am just a bit wary of not responding to their constant correspondance requesting full payment. If I did end up in court I want to be able to cover my ass. Like I said I have issued them full details of what I can afford to pay them on several occasions.

 

Also I was a little wary of these so called solicitors, as I never heard anything about them on CAG. I think they are a in house outfit who claim to be a seperate entity, as you say to issue scare tactics.

 

I am quite suprised that CDUK have not realised/concluded that I will not pay them anything more than that which I have already proposed!

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 4 weeks later...

Not sure if CDUK have passed this back to Barclays Stockbrokers. I have just recieved the letter below from Matthew Arnold & Baldwin Solicitors.

 

Should I repeat my previous repayment proposals to them also. Is there anything I should do?

 

Image001-2.jpg

 

Thanks

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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My OH had dealings with Collect Direct UK over a M & S unsecured loan. The woman at the DCA was a complete fool, despite allegedly having a law degree. We complained and in the end M & S took the alleged debt back off them and eventually admitted it was unenforceable through lack of CCA.

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She wouldn't happen to go by the name of Mrs Gallagher would she? She talks absolute nonsense and blatent lies. I've had a bit of fun when responding to some of her requests.

 

In this case I was not offered credit so I can't ask for a CCA and the usual rules don't apply. I have told them what I can afford to pay them along with a budget and they have not accepted this. I have repeated my offer on several occasions.

 

I can't see what they will achieve by taking me to court....I can still only pay what I first offered them! :roll:

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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I'm just trying to put an appropriate responce letter together to send Matthew Arnold & Baldwin, does anyone have any suggestions as to what I should include?

 

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HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Hi,

 

Personally I'd just repeat the offer you've previously made but ensure you put something in that informs them that if they were to take court proceedings forward then a) they will only get what you can afford... i.e. what you've offered? and b)you will show all the correspondence and previous offers from yourself and themselves to a judge to counter any issue of costs

 

S.

Edited by the_shadow
Added key bit to hopefully counter CPR pre-action protocol threat
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I would also include a months payment to the letter to show that you are trying to pay your debts if it ever goes to court and of course keep copy of payment etc.

 

dpick

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too late already sent it, although I did highlight the fact that I repeatedly offered them a replayment plan and again asked if their client would provide me with a paying in book or standing order details to allow me to start making these payments.

 

cheers dpick

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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i personally would do as dpick has stated. if you send a payment proposal it is alwyas best to include the first payment and keep to your payment proposale whether they accpet it or not. It looks very good for you if they take it further and very bad on the dca/sol.

 

If you can forward a cheque or postal order and keep doing so . Did you state that you would pay this monthly etc if so then keep to your payment timescale.

 

ida x

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Yeah that makes sense, I'll follow up todays letter with another, including a cheque for the amount I have proposed. Should I send it to the solicitors or to Barclays Stockbrokers?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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another thing , is the balance correct? no unexpected rise to any collection charge been added?

 

ida x

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No, the debt has been the same since Barclays asked CDUK to collect on their behalf at the begining of December 08.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 2 weeks later...

Looks like my lastest letter finally hit home, just recieved this below.

 

Mab.jpg

I think I'll agree and start paying the £10 a month, then offer then offer a reduced full and final settlement when I can afford to. :D

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Looks like my lastest letter finally hit home, just recieved this below.

 

 

 

I think I'll agree and start paying the £10 a month, then offer then offer a reduced full and final settlement when I can afford to. :D

 

That looks like a "win" to me :-)

 

Well done for holding out.

 

S.

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Yeah....I'm pleased with the outcome so far. Thanks

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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yeah like the 73p make all the difference :rolleyes:

 

well done for keeping at them

 

ida x

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