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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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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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dual citi/DCA entry on Credit File


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My first suggestion is to start your own thread, we will then give you advice on that.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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  • 1 month later...
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not in my opinion anyway.

 

Entry on Credit file from a DCA, allegedly sold to them by a lender. Lender also had an entry but it has since been removed after my requesting the duplicate be removed by either of them (lender or DCA)

 

I sent a CCA request to the DCA shortly afterwards who responded with the 'we're looking/requesting it but in the meantime we've suspended your account while doing so'

 

With that in mind I wrote to Experian enclosing copies of the letter from the DCA showing that they did not have my credit agreement and the account was suspended...I also stated that the DCA have not provided a copy of the assignment notice from the original lender either.

 

Experians answer was to simply issue a notice of correction to the entry which does little or nothing as far as I'm concerned and went on to state that it is the DCA that needs to request the default removed.

 

Experian in my mind are a complete waste of time, they allow entries that quite clearly should not be there, they ignore all proof that you send in and they simply quote the usual 'we're not responsible for the data held'

 

So, to progress this? Raise a complaint with who? and send the DCA the 'processing of data' letter from the templates section?

I reside in Dawlish Warren but am not a rabbit.

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I agree re the asking for a lot, however the default until recently was duplicated and the DCA has not as yet been able to provide an assignment notice let alone a CCA and we're almost 5 months on since the various requests went it.

 

The DCA have stated to Experian that they want the default to stay on and yet when pressed they have not supplied a shred of evidence to suggest they own the debt or can even enforce it.

I reside in Dawlish Warren but am not a rabbit.

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  • 4 months later...

or is it Hllsden Securities or Hillsden Securities Ltd, they seem to change with each and every letter.

 

In any case , I'm sure they've sent this to oodles of their alleged customers ..

 

http://www.partnerpick.com/userspace/user6730/hillsdenMar10.jpg

 

quoting the McGuffick case as their defence in collecting on a debt that they have as yet to supply a CCA for....

 

Their wording/interpretation leaves me a little confused, they of course are sending it back to their 'collections' depart so that activity can recommence? really, how nice of them but not from me it wont.

 

But anyway, they quote from guidance from the Credit Services Association (yes them oiks)..why anyone takes the Credit Services Association seriously is anyones guess.

 

But their interpretation of the judgement mystifies me in that 'bringing of proceedings is not enforcement'? Do they mean that by registering a ccj against you that it is not initself enforcing the debt? How is that? You don't pay a ccj and the plaintiff simply goes back to court for either a charge or bailiffs or whatever....but that to me in enforcement....

 

They may argue that the ccj initself is not enforcement but if that is the case then any action after that is enfocement (bailiffs charge) and as such cannot be taken....this leads me to my own interpretation that if they take a ccj and you don't pay it then they cannot take you back to court for bailiffs or charges etc...thus rendering the judgement useless and their collection of it null and void....

 

Of course this is second to the incorrectly assigned debt paperwork they've previously sent and charges added that they are not

legally entitled to do under the original credit agreement which I have and they dont and which I'm waiting for them to send me

almost a year ago of asking.

 

Bring in on I say....

 

Note: The above link is to paperwork they sent me direct, I've edited their barcodes/dates/account numbers out and any of

their strategically placed ref numbers in -1 print etc....sneaky are them.

I reside in Dawlish Warren but am not a rabbit.

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remind them that even the Credit Services Association, say they cannot collect on a agreement untill one is produced. To quote from their FAQs "If you ask the creditor for a copy agreement (with a £1 fee) and this is not provided within 12 working days the agreement is not written off. It does mean that the creditor must stop collection on the agreement until one is later provided." That is so to speak from the horses mouth.

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  • 1 month later...

on a credit file and it's duration.

 

Default issued on a debt stays on the file for six years from entry, no problem with that....

 

and I'm sure it's one debt only one default notice......

 

but, if a debt is sold on in full title i.e full assignment...is the new owner of the debt entitled to enter a new default which may then extend the default (albeit in a different name etc)

I reside in Dawlish Warren but am not a rabbit.

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thank you both for that....

 

I did have a double entry but have had that removed...

 

----

 

All my current defaults will drop off my credit file in less than 5 months but I am expecting at least two of the dca's to try and add them back at some point. I've kept all credit file entries/dates etc and took a snapshot of my credit file today but because I'm in dispute with a few dca's and I can see that one of them has recently credit checked me ...for what reason I do not know....but I expect the unexpected so to speak.

I reside in Dawlish Warren but am not a rabbit.

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My thoughts too, there seems to be an upsurge in DCA's trying it on as a debt nears SB. I have also noticed that many of the DCAs just put 'card' making it more difficult to associate their entry with that of the OC. In my case I have the OC account as settled and on the same date a default is entered as a fresh file by a DCA which continues to update.

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In my case I have the OC account as settled and on the same date a default is entered as a fresh file by a DCA which continues to update.

 

Yep, that sort of thing is what I expect....what if any action have you taken against them?

I reside in Dawlish Warren but am not a rabbit.

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Are these idiots actually resident on our planet because they sure seem so far up themselves they're on Uranus...

 

Seldom do I get a letter that makes me laugh as much as this one today has

 

http://www.partnerpick.com/userspace/userAF9803/zinc1a.jpg

 

So, their 'indepth desktop investigation' has shown I own property...um do I now? - Some 'investigation' that was to bring up out of date/useless/non relevant/non factual information - STRIKE ONE!

 

Their client 'Citibank?' Um, that is news to me, the last activity on this account was me requesting a credit agreement from a different DCA some 9 months ago the interesting thing is the last DCA actually sent me a year or so prior to my CCA request an assignment that they owned the debt.... STRIKE TWO!

 

So who does own the alleged debt? I thought an assignment meant that the assigned (full title) owned the debt in full? Either Zinc or the previous DCA are fibbing or maybe they both are (shock horror)

 

Of course the account is still in dispute, no paperwork that I requested last year has been sent/offered so ZINC can sit and threaten to indulge themselves in my non existent 'owned' property as much as they can....but will I respond to their very kind/thoughtful letter or should I just ignore them? (opens file marked 'No Hope' and enters Zinc into the section marked 'No Hopers'

 

What idiots these people are, their letters are nothing more than bullying tactics and veiled threats but in reality they're as toothless as they are thick.

I reside in Dawlish Warren but am not a rabbit.

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[ur]Anus is right, as far as I can see, as they seem to be speaking out of their collective orifice

I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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Report the original creditor for passing on a debt to many agencies AND for passing on a debt clearly in dispute.

And report Zinc for encouraging you to borrow against the equity in your property.

 

I too have just completed a thorough desktop investigation but I still can't find my blinking glasses.:grin:

As of 03/03/12 please do not under any circumstances wait for my further input or guidance on any current thread or defence of a court claim I might have been involved in on or through Cag.

Jasper1965

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What a hilarious letter filled with humour

''Our in depth desktop investigation'' Studying the paperclips and sharpners

''Your current domestic residence'' The place you call home

''Resolve this debt to everyone's satisfaction'' It is already resolved to your satisfaction :)

 

 

And you have to laugh at their address 93 HOPE Street surely that should be NO HOPE Street

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:: Licence Details

 

Application / Licence Details

 

 

 

Licence Number:0624362

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Complete Credit Consultancy Limited6450797

 

Categories:

 

Debt collecting Provision of credit information services, excluding credit repair

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Zinc Collections Zinc Commercial Recoveries Zinc Credit Management Zinc Recoveries

 

Issued Date: 31-Mar-2009

Date Maintenance Payment Due: 30-Mar-2014

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePosition Sharon Wiggins

 

Nature of Business:

 

Other

 

Current Address(es):

 

Address TypeAddress Correspondence25, Broadmeadow Lane, STRATFORD-UPON-AVON, Warwickshire, CV37 9FD, United Kingdom Principal Place Of Business25, Broadmeadow Lane, STRATFORD-UPON-AVON, Warwickshire, CV37 9FD, United Kingdom Registered Office29, Wood Street, Startford-Upon-Avon, Warwickshire, CV37 6JG, United Kingdom

 

Historic Address(es):

 

Address TypeAddress Registered Office29, Wood Street, Stratford Upon Avon, Warwickshire, CV37 6JG, England

 

 

Dynamic.aspx?text=Back Dynamic.aspx?text=History

 

 

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©Copyright 2007, Office of Fair Trading Version 1.0.2.16365

 

Partners In Enforcement: Office of Fair Trading, Consumers Association, The Information Commissioner, Financial Services Authority, OFTEL, The Office of Gas and Electricity Markets and every Trading Standards Service in Great Britain.

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Company Details

 

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Name & Registered Office:

COMPLETE CREDIT CONSULTANCY LIMITED

29 WOOD STREET

STRATFORD-UPON-AVON

WARWICKSHIRE

CV37 6JG

Company No. 06450797

 

 

spacer.gifspacer.gifspacer.gifspacer.gif Status: Active

Date of Incorporation: 11/12/2007

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

6522 - Other credit granting

Accounting Reference Date: 31/12

Last Accounts Made Up To: 31/12/2008 (TOTAL EXEMPTION SMALL)

Next Accounts Due: 30/09/2010

Last Return Made Up To: 11/12/2009

Next Return Due: 08/01/2011

Last Members List: 11/12/2009

Previous Names: No previous name information has been recorded over the last 20 years. [/url] There are no UK Establishments associated with this company. There are no Oversea Details associated with this company.

 

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Stratford address reminds me of Intrum Justiita who before Liverpool I think used to have some association with Stratford Upon Avon (either them or Bristows & Sutor.

 

Having said that I'm sure somewhere I read that Mackenzie Hall were in bed with them (are them)

 

As for reporting them, that is exactly what I'll be doing, bunch of idiots they are....how dare they, HOW DARE THEY....DO THEY NOT KNOW WHO I AM? :)

I reside in Dawlish Warren but am not a rabbit.

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