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    • 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. 
    • 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
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Court Case #2 - Northern Rock


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Check out the insurance, but if it was meant to cover the loan over a period of time, and that period of time is shortened, then you may be entitled to a refund.

 

Alternatively, if you're in a position to make an offer to negotiate a settlement of the debt with NR, that could be another option to consider.

 

I guess the most I can do today is perhaps take a close up photo of the agreement to give you an idea of what I mean.

I will put it up later. I had to take the kids out for a bit as they have been stuck in all weekend whilst I try sort this out.

 

I cannot afford the payments which is why I stopped.

 

Can I put in this defense and then add in about the cca at a later date once I get it examined?

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Hi Lux,

 

My view is that surely they should have produced a legible CCA under the CPR.

 

If they have a legible copy which is enforceable why have they not produced it and slapped you round the head till you know it is enforceable? Surely it would be the simplest solution I know that if I was on the other side it is exactly what I would do.

 

I am seriously considering offering my services as a 'hit man'.

 

"Look here it is. YOUR agreement! Your signature! There are the prescribed terms! Now get your wallet out"

 

Job done!

 

I would be so much cheaper than the method they are currently using.

 

GK

 

I only got the agreement on Saturday, and I don't have a scanner at home. So I have not had much chance to examine it. All I know is that it is not the clearest document in the world!!

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Hi Lux,

 

If you only received the info on SAturday I would make a point of it.

 

How long ago was it requested?

 

Do you believe that it was sent late in order to prejudice your ability to defend?

 

GK

Hi GK

 

Managed to get to an internet cafe so heres the agreement.

 

I was late asking for the agreement in fairness!!

 

I have had to put them in a zip file as I cannot get a jpg small enough to be readable

cca 002a.zip

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I'm no expert and am a bit pushed for time at the mo too, but this link might help. http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements-guide.html#post1747470

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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No probs Luxx.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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The agreement looks ok to me, but let others comment as well, before deciding

 

Hi Creditcardmug...

Thanks for taking a look.

 

I have been trying to figure out if the amounts are correct, but cannot work out how they calculate the totals.

 

Grrrrrrr :rolleyes:

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I cannot see anywhere on the agreement about my Right To Cancel???

CCA 1974

 

 

64

.—(1) In the case of a cancellable agreement, a notice in the prescribed form

indicating the right of the debtor or hirer to cancel the agreement, how and when that

right is exercisable, and the name and address of a person to whom notice of

cancellation may be given,—

(a) must be included in every copy given to the debtor or hirer under section 62 or

63, and

(b) except where section 63(2) applied, must also be sent by post to the debtor or

hirer within the seven days following the making of the agreement.

 

Clutching at straws? lol

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I cannot see anywhere on the agreement about my Right To Cancel???

CCA 1974

 

 

64

.—(1) In the case of a cancellable agreement, a notice in the prescribed form

 

indicating the right of the debtor or hirer to cancel the agreement, how and when that

right is exercisable, and the name and address of a person to whom notice of

cancellation may be given,—

(a) must be included in every copy given to the debtor or hirer under section 62 or

63, and

(b) except where section 63(2) applied, must also be sent by post to the debtor or

hirer within the seven days following the making of the agreement.

 

 

Clutching at straws? lol

 

 

Just found this... Apparantly, the Right to Cancel must be included in the Agreement ....

 

Substituted by SI 2004/1482, regs 2, 13.

Date in force: 31 May 2005: see SI 2004/1482, reg 1; for transitional provisions see reg 18 thereof.

paragraph 5.

YOUR RIGHT TO CANCEL

Once you have signed this agreement you have a short time in which you can

cancel it. Details of how to cancel it will be sent to you by the owner

 

The OFT also say this....

Both the borrower and the lender must sign the agreement. A copy of the executed agreement must be given to the borrower, either when he signs it or within seven days. A further copy of the unexecuted agreement may also need to be provided. If the agreement is cancellable (because it was signed off trade premises), notice of cancellation rights must be included in the copy agreement, and must also generally be sent by post or email to the borrower within seven days.

If the above requirements are not met, the lender can only enforce the agreement against the borrower by getting a court order. Local authority trading standards services or the OFT can take enforcemtent action against the lender, using powers in Part 8 of the Enterprise Act 2002.

 

Any thoughts anyone?

 

I take it from the Consumer Credit Agreement Regulations 1983, That it must state on the agreement that you have a right to cancel, and that a copy of your right to cancel will also be sent to you within 7 days.

This applies where the agreement has not been signed in the branch etc....ie: they posted the agreement to sign....which is the case here... It should come within the Key Information box.

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Just found this... Apparantly, the Right to Cancel must be included in the Agreement ....

 

Substituted by SI 2004/1482, regs 2, 13.

Date in force: 31 May 2005: see SI 2004/1482, reg 1; for transitional provisions see reg 18 thereof.

paragraph 5.

YOUR RIGHT TO CANCEL

Once you have signed this agreement you have a short time in which you can

cancel it. Details of how to cancel it will be sent to you by the owner

 

The OFT also say this....

 

Both the borrower and the lender must sign the agreement. A copy of the executed agreement must be given to the borrower, either when he signs it or within seven days. A further copy of the unexecuted agreement may also need to be provided. If the agreement is cancellable (because it was signed off trade premises), notice of cancellation rights must be included in the copy agreement, and must also generally be sent by post or email to the borrower within seven days.

If the above requirements are not met, the lender can only enforce the agreement against the borrower by getting a court order. Local authority trading standards services or the OFT can take enforcemtent action against the lender, using powers in Part 8 of the Enterprise Act 2002.

 

Any thoughts anyone?

 

I take it from the Consumer Credit Agreement Regulations 1983, That it must state on the agreement that you have a right to cancel, and that a copy of your right to cancel will also be sent to you within 7 days.

This applies where the agreement has not been signed in the branch etc....ie: they posted the agreement to sign....which is the case here... It should come within the Key Information box.

 

If I want to bring in Unenforceable CCA into the defense now... should I still include the Default Notice and Termination stuff?

 

Can I now state "I acknowledge no debt to your company?"

 

Cheers

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Can I just clarify - where did you sign the agreement

 

If the agreement is unenforceable you still include DN/TN issues

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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yeppers the figure check ok on DualCalc so id say that the agreement itself is enforceable as it stands

 

Any thoughts on the cancellation point

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Hi No Money

It was signed at home ...they sent the forms to us :D

 

Oh! Dammit! lol

 

Should I just go with the Invalid DN and TN then? Or do you think the Right to Cancel point may be valid too?

 

Thanks

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Any thoughts on the cancellation point

Unlikely, unless there were antecedent negotiations ( see s56 CCA 1974) which took place, that would be the crucial issue in my view, if there were antecedent negs then we would have a cancellable agreement IMHO

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Unlikely, unless there were antecedent negotiations ( see s56 CCA 1974) which took place, that would be the crucial issue in my view, if there were antecedent negs then we would have a cancellable agreement IMHO

 

Oh well! Righht thats it for me then...I will just go with what I have already..

 

Thanks so much everyone for your contributions and help...

 

It really is most appreciated!!;)

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erm the date is 4th June 2007????

 

that would mean we fall under the unfair relationship test not the strict unenforceability issues of the old act

 

 

Ummm.... What does that mean pt2537??

Sounds kinda err bad?

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Ummm.... What does that mean pt2537??

Sounds kinda err bad?

 

Crap!! I am totally confused now lol... I have until tomorrow to get this defence ready to send... Dont look like Im gonna make it :confused:

 

Arse!!!!

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