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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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Huff&Puff that is so defeatest!:p!

 

There is stacks you can do to stop them ringing, it just takes the right tool for the job that's all....

 

Administration of Justice Act 1970 (c.31)

 

Protection from Harassment Act 1997 (c. 40)

 

Now, any breach of both the above Acts is a criminal offence, the Admin of Justice Act makes it a criminal offence for a creditor or their Agent (DCA) to make demands for money which are aimed at causing 'alarm, distress or humiliation, because of their frequency, publicity or manner'.

 

And the second act makes it even clearer, that 'any person who pursues a course of action which they know 'or ought to know' amounts to harassment of another person could be classed as having committed a criminal offence under the act.

 

So a complaint to the DCA in question swiftly followed up with a complaint to Trading Standards Institute - Home page

And the The Office of Fair Trading: Contact us

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Great advice from Bazooka Boo. Send your letters, and if they still keep ringing you can just say you've written to them, and you'll only accept communication in writing, or just refuse to go through security, or just hang up.

 

I actually did start talking to them though after joining CAG, and what's been surprising is that after I have told the first DCA on each account what the situation actually is - no proper agreement, CCA 1974, regulations state... etc., when the original creditor takes it back and passes it to a second (or third) one, I never hear from these unless it is in writing.

 

Clearly the credit card companies don't tell them the account is in dispute and why when they sell it on, which is making me wonder if the DCAs all share some kind of database which says it's not worth bothering with phone calls to DD because she'll just quote the CCA 1974 at you.

 

That seems incredibly far-fetched but I was being hounded every single day but loads of them, and I haven't heard from any of them for months - not even the new ones call now.

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  • 1 month later...

Hi all, an update. I sent the CCA letter to Fredricksons and have received a credit agreement paper from Nat West now. They were 2 days over the 12 working days and apologised for the delay! wow!! Thing is, the credit agreement does not have my signature on it anywhere, just my name and address. Am wondering if it is the right thing and would like to know what to do now? Please help. I tried to scan it to put it on here but am useless with computers.Basically it says the amount of loan, insurance cost, total charge for credit and total amount payable, annual percentage rate. There is a place at the bottom of the page that says customer signature but no signature on it by me or anyone from the bank.

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In a bit of a rush so can't find the exact link I am looking for, but, just because they have replied with the agreement minus your signature, does not mean it is unenforceable, they are allowed to remove signatures from the agreement, there is a template on here somewhere which says why you shouldnt use s78 request if you want to receive the agrerement with your sigs on.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi, after trying everything i could to get the letter on here have given up and done the only other thing i could think of!1 typed it out myself and pasted it! Long winded but hopefully worked. Everything is word for word although the layout might be a bit suss, sorry!! I noticed there was no date on the agreement, don't know if that is relevant, and no signatures either. So, here goes...

 

 

Date 14 December 2009 Nat West Bank Plc

Etc

 

 

 

 

Our ref: *****

 

 

Your ref:

 

 

 

 

Dear Miss ***

 

 

Re: Request for copy of Credit Agreement under Section 77 of the Consumer Credit Act 1974

Account: *****

 

 

We write with reference to your recent correspondence, dated 21 November 2009 and apologise for the delay in our response.

 

 

Please find enclosed a copy of the Credit Agreement, Insurance Certificate and a schedule of Arrears as requested.

 

 

We trust this is satisfactory; should you have any further queries please contact this office at the above address

 

 

ours sincerely

 

 

scribble scribble

 

 

Recovery Manager

 

 

And....

 

 

Credit Agreement regulated by the Consumer Credit Act 1974

 

 

Please sign below where indicated

    Parties to Agreement
     
    The Bank Nat West Bank
    The Customer Me
     
     
    2. Purpose and Amount of Credit
     
    (a)£4,500 cash loan for Refinance Debt this Bank Main Loan (a) + (b)

(b)£ for repayment to the Bank of account number £4,500

 

( c ) £1,275 being the premium payable to the insurers for optional Loan Protector insurance in relation to this Agreement against the death sickness accident and unemployment of Me (the insured ) in accordance with the Banks Loan Protector Insurance leaflet.

 

 

3. The Credit £5,775

    (2(a)+2(b)+2© )

 

    4. The total charge for credit £2,208.60 Comprising (a) Interest £2,208.60 (b) Administration Fee £0

 

    5. The total amount payable ££7,983.60
    (3+4)
     

    6. The Instalment Repayments

Repayments due one month after the Credit is drawn and monthly thereafter as follows:-

60 Repayments of £133.06 Comprising Main Loan repayments

Insurance Loan Repayments £29.38

 

7.Annual Percentage Rate (APR) 14.4%

 

 

8. Charges on Default (a) The Banks Expenses in enforcing this Agreement. These expenses will include (but not be limited to) expense of taking steps including court action , to obtain payment , tracing the customer if the customer changes address without notice and communicating with the customer if the customer breaks the terms of this agreement and (b) Interest (APR) on any sum payable to the bank under this agreement from its due date to the date of actual payment

 

    9. Service Account
    (Account from which Instalment Repayments will be made) Sort Code ***

Account Number ***

 

 

    10. Destination Account

(Account to which any cash loan is to be paid) Sort Code ***

Account Number ***

 

 

By signing this Agreement the Customer confirms:-

  1. having read this agreement including the terms and conditions set out seperately
  2. having received a copy of this agreement
  3. having elected to take the option of death, accident sickness and unemployment insurance

 

 

 

 

 

 

 

See page 2 of this Agreement for the remaining terms and conditions related to the Credit

 

 

 

WOW IT WORKED, Phew..... Please let me know what you think. Thanks foe all the help

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It's a multi agreement so there should be separate signature boxes for the loan and PPI - they are different types of credit and must have separate agreements and prescribed terms. The loan is debtor-creditor and the PPI is debtor - creditor - supplier, the supplier being whoever provided the insurance. Did they send you statements?

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There doesn't appear to be seperate signature boxes. There was a bit on the terems and conditions page that just said customer initials. I never had any statements from the insurance company as far as i'm aware, in fact, until i got a load of paperwork from nat west, i did not realise that i had insurance. It does not seem that there are seperate agreements here.

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  • 2 weeks later...

Hi all, hope you've all had good xmas and new year. Would be grateful for any advice on what to do now. Have started to get calls from Fredricksons again, not answered then just checked the number but don't really know where i stand now. Is it worth still trying to dispute the case or should i make an offer of payment? Hope someone can help.

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Hello Hippy - you seem to have been deserted!:-) As I said above, this is a multiple agreement and the PPI should have been shown separately. Do you think you were badly advised about the PPI anyway? Were you aware it was there? I would argue with Frederickson that this is an unlawful agreement as there should have been 2 separate agreements, one for the alleged loan and one for the alleged PPI. The document they have sent is not a properly executed agreement and until such times as you receive one the alleged agreement is in dispute and you will be making no payment whilst the dispute remains. Send you letter to Frederickson's Complaints Department. Tell them you want everything in writing and they must cease all calls immediately as they have no legitimate right to pursue the alleged debt whilst it is in dispute. Failure to do so will result in a complaint to the OFT's Credit Licence Fitness department. Frederickson's don't like any hassle and will probably sell it on. If they do, you are half way there because it will just get passed round the houses until one of them finally gives up.

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Thanks so much for your help. Am writing to fredricksons and will say what you said about it being an illegal agreemant. I did not even realise that i had the PPI until nat west sent me that bunch of papers!! So definately think it could be classed as misold. Thanks for your help, will update when i get reply (or if!!) Bye for now and thanks again.:)

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No I have been scarred for life, a 'friend' told me to watch (Removed for not only my sake, but to protect others also!), I'll never be able to close my eyes again!

Edited by Bazooka Boo

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I was just about to start cooking dinner ... that is seriously gross.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Please, I am trying to eradicate it from my Memory! I had to sleep on my back last night,

the next time I see my so called 'mate' I'm just gonne kick him square in the crown jewels....

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Back to matters in hand, I was thinking that Unlawful and Illegal kind of mean the same thing, so would Unfair be better terminology to use?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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