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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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Me against them v's Egg


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will do...I'll post up any further news. :)

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  • 2 weeks later...

Just recieved this letter, I presume it is an update for the Account Dispute letter I sent them.

 

Egg.jpg

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Looks like they are struggling to find an enforceable CCA to me. Fingers crossed!

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  • 2 weeks later...

Here we are! :D

 

Termination.jpg

 

Surely they have failed to set out the Default Notice with CCA Regs???

 

- No CCA!

- 2 Default Notices Served without any explanation.

- Both Default notices served whilst account is in Dispute.

- Account Terminated on the same day of the 2nd Default Notices dealine date (21st May)!

 

Does this now mean they can only claim for arrears if they provided me with a enforceable CCA?

Edited by Me against them!

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Can anyone confirm if Egg have messed their Default Notice up?

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Hi Me Against Them :)

Right, as I see it, although both DN's seem to me to be legally compliant re dates & format, as the first one stated it would terminate the account if not rectified, then the second was issued on a terminated account. I'm not sure how important or otherwise this is. Further input required on that.

 

What would seem to be important, however, is the fact that the account was in dispute due to failure to comply with your CCA request.

As you will have pointed out to them in Dispute letter:

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies:

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

So I believe that invalidates both DN's.

What would strengthen your case is if the sums demanded in the DN's were inaccurate, eg if they included any unfair penalty charges.

Did you have late payment fees, overlimit fees etc on the account?

If so now is probably the time to send a Subject Access Request to give you all the data they hold on you and calculate what, if any, unfair charges have been applied. It costs £10, but should be worth it.

This post will bump you up for comments from the morning shift, any other input welcome :)

Also, have a read of my thread on DN's: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/200901-anatomy-default-notice.html

I'm no expert myself but I've been putting together useful links on the subject.

Hope this helps,

Elsa x

Edited by Nurse-Elsa
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Thanks Elsa.

 

I look at my bills to see if there are any unfair charges, which I suspect there will be. ;)

 

Also I'll send a Subject Access Request.

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Egg have now passed the account to Direct Legal & Collections for full and immediate collection. At least thats what DLC's letter is demanding.

 

Think I'll send the following....

 

Dear Sir or Madam,

 

I must admit that I am rather bemused as to why this account has been passed to you, as it is in dispute with ***DCA*** and has been since ***Date***

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

 

As ***DCA*** is now in default of my Consumer Credit Act request, Office of Fair Trading Collection Guidelines and s10 Data Protection Act request, I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default, enforcement action is NOT permitted; under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to ***DCA*** for resolution of these defaults and breaches, as ***DCA*** cannot lawfully pursue any enforcement activities.

 

If ***DCA***chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

 

Yours faithfully

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  • 3 weeks later...

Are Egg giving me the run around here? they have sent this letter but I have still not received the CCA they say I should have.

 

YourComplaint-1.jpg

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Its been a few days since I recieved this letter stating I should have received my CCA, when I haven't. I think I need to send them a letter saying that the account is still in dispute as I have not recieved the supossed CCA they say they have sent me.

 

Anybody know of any appropriate letters that are already on this site?

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If it was me I would just send them the reminder of your request, and state that contrary to their letter of xxxx, you HAVE NOT received the requested copy of your CCA - which you still demand, and they by law, are required to supply.

 

End of ..... ;)

 

Abs xx

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DLC have responded to my letter by placing my account on hold until they have receieved additional information from Egg. :p

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  • 2 weeks later...

Today I received my CCA which was included in my SAR documentation.

 

CCA1-2.jpg

 

CCA2-2.jpg

 

looks like many other unenforeable CCA's I seen around CAG.

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Thanks Abby25, Yes I have read PT's thread and am of the impression that this aggrement is the same as most other unenforceable CCA's.:)

 

I now seem to have about 25k of questionable debt, which is a massive plus. I almost filed for bankruptcy a few month back! So glad I didn't!

Edited by Me against them!

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Hey thats why this site, and the experts who post, is so valuable to us all !!!!

 

In the process of getting my own CCA, which I expect to be the same as yours, the accts about 10 yrs or so old - so hoping that I will be able to challenge on the same basis.

 

So, get your challenge in, and keep the thread updated !!!

 

Good luck ....:)

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  • 4 weeks later...

Just received an update from dlc stating my account is still on hold until Egg can provide them with a copy of my CCA...I wonder why they can provide it as part of my earlier SAR but not for my original request, which led me to dispute the account.:confused:

 

Not that I'm complaining!:p

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