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    • Referring back to to your initial post... So not a judgment ?
    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
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    • We have finally managed to obtain the transcript of this case.

      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.
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moorcroft debt recovery


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Im going to report them this evening.

£1,971.76 Halifax credit card

Citibank credit card 9100[/size][/size]

Refunded firstdirect bank charges £555 26/01/07

Refunded halifax charges £60 and £120 14/2/07

1st letter sent to HSBC 28/04/07 2nd letter 20/6/07 on hold

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Good luck, and remember to keep a hold of that DN and don't tell Moorcroft or Citi that it's invalid.

 

If it ever goes to court, that default notice means you ain't liable for anything more than the Arrears, and if that isn't a massive amount, the CCJ won't even appear on your report as you could clear it within 30 days.

 

Is the ARREARS (not BALANCE) a lot?

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the arrears are under 5 grand. 5 grand too much if I had to come up with it within 30 days though. I also want to know if it goes to court does anyone else know about it. IE does it appear in the local paper?

£1,971.76 Halifax credit card

Citibank credit card 9100[/size][/size]

Refunded firstdirect bank charges £555 26/01/07

Refunded halifax charges £60 and £120 14/2/07

1st letter sent to HSBC 28/04/07 2nd letter 20/6/07 on hold

[/size]

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  • 4 weeks later...

well I have sent citi a cca request and I have not recieved nothing. It is now 12 + 2 days so I am going to sent them the second letter on monday.

 

I have had another yellow letter from moorcroft saying that they will take me to court, if I don't contact them. I have paid either. shall I pay citi £1 a month for now. I would like this to be settled some though I don't think that I can keep this up much longer as I am scared of what might happen next.

£1,971.76 Halifax credit card

Citibank credit card 9100[/size][/size]

Refunded firstdirect bank charges £555 26/01/07

Refunded halifax charges £60 and £120 14/2/07

1st letter sent to HSBC 28/04/07 2nd letter 20/6/07 on hold

[/size]

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It is getting me down though getting the yellow letters from moorcroft even though they have not replied to my request.

£1,971.76 Halifax credit card

Citibank credit card 9100[/size][/size]

Refunded firstdirect bank charges £555 26/01/07

Refunded halifax charges £60 and £120 14/2/07

1st letter sent to HSBC 28/04/07 2nd letter 20/6/07 on hold

[/size]

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well the phone calls have started again from them. They phone and hang up when someone answers

£1,971.76 Halifax credit card

Citibank credit card 9100[/size][/size]

Refunded firstdirect bank charges £555 26/01/07

Refunded halifax charges £60 and £120 14/2/07

1st letter sent to HSBC 28/04/07 2nd letter 20/6/07 on hold

[/size]

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2u7t9g1.gif

 

Make a complaint to your local trading standards & the OFT with regards to their harassment, they are in clear breach of OFT guidelines & CPUT ;

 

Consumer Direct - Contact us

 

OFT Complaint form

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/DebtCollectionComplaintForm.DOC

 

The Office of Fair Trading: Contact us

 

[email protected]

 

 

tel: 020 7211 5823

 

The Office of Fair Trading: Debt collection practices

 

http://oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

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