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    • So I just found a couple abandoned traffic cones locally by some bins.   A bit squished but free!  So have placed them on the land.  Will wait to see if the cones get moved and signs ignored again this week before I consider rocks/ boulders.
    • 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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Cap1 and DN


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Hi Folks

 

Can someone just check the DN received today, as it's the first official one I've received you views much appreciated. Thanks

 

Darn its worked, will try it again.

DG

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Well I've tried everything possible to get the image up without any success at all. Son now not coming up till weekend he's bringing laptop up with him so will have to post up off his.

 

It does say Notice of Default served under section 87(1) of the Consumer Credit Act 1974.

Goes on to say I've broken the CCA because entering into a long term payment plan with Crap1 I have made an arrangement for a compromise about how much I will pay them. This is a breach of y our Agreement as described in section 16 of your Credit Agreement.

Then goes on to give me 28 days if I come out of my payment plan no further action will be taken but want me to pay up.

If I have PPI they will continue to provide cov er until the date that credit agreement is terminated but WILL NOT PROVIDE ANY REFUND.

Then the usual threats, terminate, full balance immediately, notify CRAs, place account or sell the DCA, attachment of earnings, door to door collectors etc.

Now it doesnt say how much the arrears are on this default notice nor an actual date so I assume that 6 days left in May from date of letter making it 22nd June they will report it to CRAs.

It seems odd that after 12 months of reduced payments they decide to default me.

Think that gives you an idea however I will get the full lot posted up at weekend along with the letter they sent.

Anyway that will make it 2 defaults thought I'd done so well with only 1.

DG:)

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Hi Gamekeeper

 

Well I hope they terminate for you.

 

I'll be posting a copy up at weekend they don't have talk their name don't they although hopefully they will turn out better than the other monkeys in Caerphilly.

DG:D

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Spot on. I'll check your thread out tomorrow.

Got to go get the OH from the pub - his night out with the lads - get a bit of piece and quiet for a couple of hours.

DG;)

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Finally managed to get it posted this is what they sent me.

 

 

 

 

 

Its amazing really been on the plan 12 months

DG

Edited by diamondgirl
images removed till bar code removed.

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Hi Folks and what a lovey day

 

I'm going to Subject Access Request them for all info. If they want to threaten me with a default they can provide me with all the info.

I understand that they don't always send a signed agreement with a CCA request but I still get the 12+2 days with SAR for it so I may as well get the lot in one go.

Any thoughts on the above letter/default?

DG:)

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Hi DG, sorry didnt get back to this thread until today...

 

As to the Default Notice, I'm not sure it is kosher... they dont specify an amount to rectify... and the prescribed format of the wording is wrong too....

 

The reason they do this is in line with other creditors in that when you enter a long term payment plan you break the contract and hence they like to record this, some do it more frequently than others.

 

A CCA s78 request will get you a response within 12+2 working days, some people have stopped paying as they dont send the original agreement and its arguable if what they send would satisfy the s78 in the eyes of a judge.... but if you go down this route they WILL follow through and default and eventually sell to a DCA.

 

a SAR will/should get you a response in 40 calandar days, they should send the agreement if they have it but there is a chance they can photocopy terms and conditions on the back of the agreement to show it is enforceable when it reality it might not be.

 

Other options to get hold of the agreement are the CPR thread, although this will probably involve court at some point and the FOS who you can complain to once crap1 tell you its their final response (usually after you send a letter back stating their s78 response was not enough), Third and finally as far as I'm aware is trading standards although they tend to not want to get involved :-(

 

S.

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Hi diamondgirl,

 

dont hold your breath on getting a response from crap1 on a SAR.

I recieved my response to my SAR on sat (day 40) and it included nothing apart from about 30 pages of phone logs and a letter, that was it.

To make it worse in the letter they said they have excluded my copy of the CCA and i can only recieve a copy of my CCA if i paid £1 under s78.

which i did 3 months ago and guess what... got t&c.

no dn notices.

no notice of manual interventions.

no datail of phone conversation.:-x

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Default notice is not valid as must say:

 

BEFORE THE DATE SHOWN, (Not WITHIN 28 DAYS), in both statements.

 

Consumer Credit (Enforcement, Default & Termination Notices) Regulations 1983.

 

It follows therefore it must also show a date, (not 28 days)

 

David

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Finally managed to get it posted this is what they sent me.

 

img006.jpg

 

 

img003.jpg

 

 

Its amazing really been on the plan 12 months

DG

 

Hi..Same as mine, they agreed to 10 a month, upon chatting to them it was't clear if they would default me NOW even if i carry on paying the 10 quid OR if they will only default me IF I break the terms of the plan..I'm going to get my CRA info soon and see if there are any defaults.

 

Andy

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Hi All

 

If they are saying Notice of Default served etc., and it does not conform to the correct details etc., any suggestions of what I should write to them, obviously if it's not correct they must be in some sort of default surely?

DG

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  • 1 month later...

Ok folks, just had email from Equifax that my rating had changed, checked it out and sure enough Crap1 have defaulted me. I am amazed really that they have the nerve to do that on my credit rating without actually issuing me with a default notice, now I would have thought that they shouldn't do that. I am right or am I not?

I've been so busy lately with weird hours at work that I've not had much time for anything. Anyway I'm going to CCA them this weekend while I have a bit of time and as I've had the account for a long time I doubt they have an agreement.

 

DG

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these companies will default it seems simply as a retaliation to your actions (ie 'in dispute') or because they know they have no CCA. Some even state yes the cca is unenforceable but debt is yours so they will still pursue and all that. Pretty petty really. Even if you get a defailt notice and it is invalid because of various flaws they still default you and will ignore you if you state they made a mistake. It's court I'm afraid to sort these issues out usually or many months (years?) of passing debt from dca to dca with all their threats.

 

I'm learning as I'm going along.

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Just checked my credit file and low and behold they are showing a D registered in May and showing a default date of xx/06/09. How can they show my account in default without serving me with a DN.

Am I missing something here?

DG

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  • dx100uk changed the title to Cap1 and DN
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