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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.
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Advent Computer Training (Barclays Partner Finance)Info and discussion thread


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As I have said many times-Barclays are not credited with the art of resolving customer dispute issues to customer satisfaction-they will fight tooth and nail to say you are wrong and have no cause for complaint.

Of couse most can be forgiven for thinking that such a great British institution could never dent its home base-except you should know that Barclays is no longer the friendly bank that we thought.

Its interest and indeed shareholders are global-it is now as much British as Cadburys or Beechams of couse we use them but only because we have grown up to trust them.

So keep everything like they do-with no scruples.

Those victims (and I say victims because it is very descript)

who can clearly show dispute on the basis of contractual issues or duty of care,are within their rights to formally put their accounts into dispute forthwith and cease further payments pending getting resolution from Barclays.

This will mean putting them on notice of that in writing.But the reasons for doing so will need to be just and outlined clearly.

Of course they will be more quicker to respond than we have seen in many instances.

Organisations like Barclays are not where they are because they have agreed with their customers complaints.

Lets remember they are pretty ruthless and will not roll over-any Barclays claimants from the last 4 years from the CAG will tell you this.

But they are not above the law and not exempt from reproach-just remember that too.;)

I dont want to say too much which will give Barclays any upper hand,but will be responding to those who have asked for help by way of the red triangle.

Theres 100 now so please be patient-I guess it will take a couple of days to go through.

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Martin.

 

I forgot to send my complaint letter & request for a copy of credit agreement to BPF by registered post. Do you think I should send another one immediately or wait the 14 days first? :confused:

 

For the sake of £1 for the fee and £1.something for recorded delivery I personally would send again.

 

Lets be clear-they will not be in any hurry to send it if you cant prove that you sent it.

 

For clarifacation to others-Under the Consumer Credit Act there is a stat fee of £1 for a lender to provide you with copies of documents you are entitled to see under your agreement.

This not only covers a copy of the actual agreement-but can iclude a statement of account history showing payments / interest etc.

Postal orders are ok for this.

Make it clear that this £1 is being sent for the request and should not be used for any other purpose ie;for arrears.

You should also be aware of sending your sig.

We advise printing your name or else using a digital sig.

Always send recorded and keep a copy.

Make sure that it is also sent to the right address.

For a request under CCA it should be their registered offices.

For a SAR it needs to go to their data controller.

The addresses are available on public registers accessible on the internet

For SAR that can be found on ICO website

For CCA can be found via Consumer Credit licence public register.

 

http://www.ico.gov.uk/ESDWebPages/search.asp

 

 

http://www2.crw.gov.uk/pr/Default.aspx

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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"You should also be aware of sending your sig.

We advise printing your name or else using a digital sig."

 

OMG I never thought of that!! :eek:

 

Thanks Martin for the speedy help - I'll re-send tomorrow by registered post.

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No problem-keepus posted.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I also need a template letter to write to Barclays with..

 

I am not sure what to write and dont want to put something in writing that could mess up my complaint

Thanks

 

such templates has been posted recently so take your time and check previous pages ;)

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I also need a template letter to write to Barclays with..

 

I am not sure what to write and dont want to put something in writing that could mess up my complaint

 

if you pm me with your email address i will send you a letter.

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got my letter from bpf sat they said my complaint would be resolved by the 14 april. don't hold out much hope on a refund been given probably will be a letter saying they have fullfilled the contract if you do not agree contact fos.

 

Hi Mantaxi

They seem to just be keeping sending letters saying we hope to have this resolved by the next date. I've had 3 letters one dated 1st march ,15th march and 28th that one saying he expects to have the complaint resolved by 12th april and telling me to refer the complaint to the FLA they don't have a solution and I think they're snookered. but will fight to the bitter end.

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hi guys fuzzbutt is having probs replying as he keeps maxing out his email account so he is limited to how many he can reply to but he will when he is allowed to email again, so bare with the the guy he will reply to you asap

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Hi everyone

 

Apologies if you haven't received a personal reply yet but, yes, hotmail only allows so many a day and I've had over 300 replies now, between here and the Facebook crowd.

 

Rest assured you'll go on the list as the emails over the past 4 days have all been saved but time-wise it's proving an impossible task to get back to everyone individually so I won't be doing that any more.

 

I've been in contact with our lawyer and we discussed that I set up a blog site for all the ex-Advent students where bulletins, advice and guidance from them, can be posted. I'm in the middle of doing that. There will be a small form to fill in with details they'll need from everyone such as how much your loan was, who it was with etc.

If anyone is reading who had a loan from Anglo Capital or Hitachi please pm me. Thanks. The lawyers will need to see a sample agreement with those companies to see if you can be included along with the BPF people.

 

I can't give legal advice obviously as I'm not qualified (for those who have contacted me with questions), please realise I'm just the co-ordinator.

 

Thanks. :)

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Hi Mantaxi

They seem to just be keeping sending letters saying we hope to have this resolved by the next date. I've had 3 letters one dated 1st march ,15th march and 28th that one saying he expects to have the complaint resolved by 12th april and telling me to refer the complaint to the FLA they don't have a solution and I think they're snookered. but will fight to the bitter end.

 

 

This is a requirement under FSA complaints handling guidelines.

An organisation dealing with a complaint HAS to send a letter every 14 days until its resolved or the 8 weeks are up and then must give a final response.

 

The FLA of course represents THEM-just as the BBA does with the banks and the CSA does debt collectors.

So their interests are shall we say a little vested.

Although subscribers to any codes of practice laid down by the FLA would be in breach of CPUT if they were found to be in non compliance of codes they were expected to be upholding.

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Martin

A few people have asked for a template letter Cashins originally worded this letter I have modified it if it is suitable to send please comment.

A WARNING to anyone using it if you threaten to take legal action you must follow through

Plus could I also add in I now consider this account in dispute.?

 

Account number

Default Notice

 

Dear/Sir Madam

 

Following the closure of Advent Consulting Ltd, you have failed to honour the terms of their contract for which you are jointly and severally liable under S75, Consumer Credit Act 1974.

 

Specifically, you have failed to find a suitable alternative training provider capable of fully assuming the functions specified in the Advent Consulting Ltd contract.

 

To remedy this breach you must, by ...Insert Date...

The training provider does not fully fulfil the terms of the Advent Consulting contract therefore I request you, cancel the above credit agreement and refund all payments made.

 

In the event of you failing to remedy the breach by ...Insert Date.. legal action may commence under S75, Consumer Credit Act 1974, with no further warning.

 

Yours faithfully

 

Yes this is ok to address the section 75 recourse where it is applicable.

The letter I have been working on includes other things and the complainant would remove sections that dont apply before sending.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi there I havre been following this forum for quite some time noew as Iam in the same boat as all of the rest of you I have emailed Fuzzbutt and am very aware that he is obviously having to go through alot of emails, but just to let you know I think your doing a stand up job.

Also Martin would it be possible for you to email me a copy of that complaints letter template that I can edit and send off please it would be much appreciated.

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No dealing by phone takes away your powers and you are left with no record.

These things need to be done in writing and sent with proof of postage and delivery.

They know then that they have to look at it.

Especially if you put them on notice that you will take it further.;)

 

Have you got proof that you was trying to cancel since December ?

 

unfortunately no :( i 1st rang them before any of this started, and tried writing to barclays once to cancel, of which i have a copy of the letter

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I'm due to start making payments on the 16th April 2010.

 

Can anyone advise how to approach barclays in means of a letter to keep the payments delayed?

 

Should i just keep the direct debit cancelled and let them put charges on the account?

 

I will not be paying them, I'm looking for the best way to go about it.

 

Thanks

 

hey DjOneel

 

im due to start paying on 1st may, what have you done regarding payments?

Edited by wasabi project
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Hi all, haven't posted for a while, but just had a 45 page email from PKF detailing their involvment and the whole situation. I'm sure others have also recieved this and the part I'm most interested in is in the FAQ's section which some may have seen on the website, but anyway, it says, "What if I don't want to continue my training - how do I get my money back? Answer: Clearly, any student is entitled to cancel their training at any time. However, how you paid for your course fees willl ultimatley determine your right to recover monies previously paid. BPF Students seeking to recover monies previously paid and/or to discuss any outstanding finance balances should contact Barclays Partner Finance".

 

Well I think we all know what we get if we call BPF to discuss this, but the administrators seem to believe the same as us - we're entitled to our money back.

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