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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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    • 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.
      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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Northern Rock - decree received 19-jan - help low income, have not listened to my offers


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Sent for a CCA from Nor. Rock personal loans, they have responded with this...

 

th_NRcover.jpgth_Agree1.jpgth_Agree1.jpg

 

Any thoughts?

 

I'm currently struggling to make the payments (even on a reduced payment plan). I will have to make just small payments for the next few months until income picks up, It would be nice to know if the agreement s unenforceable to give me some peace of mind that NR won't just take me to court. Although I can't afford to pay them any more anyway.

 

Loan was taken out in 2004.

 

p.s. I think I may have also put another couple of similar threads in the wrong place, could someone please comment on these...

 

http://www.consumeractiongroup.co.uk/forum/debt-management-debt-self/271093-natwest-credit-card-cca.html

http://www.consumeractiongroup.co.uk/forum/debt-management-debt-self/271092-citibank-cca-response.html

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No, it was applied for online and then they sent the agreement through the post a few days later if memory serves. I don't deny the debt is mine, and I'm not trying to avoid paying it back but it would be nice to know if it's unenforceable through a court though, just to give me a bit of breathing space, I just cant afford the repayments at the moment.

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Well I can't see any box with 'Your right to cancel'

So IMO I would say it is unenforceable, others will hopefully be able to confirm this.

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've just realised I put the same sheet in two different pics. The correct third image should be...

 

th_Agree2.jpg

 

I still can't see a right-to-cancel clause though.

 

Edit: Although 7. (e) sort of comes close.

Edited by chattanooga
Noticed something
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  • 3 weeks later...

I have received this morning an i&e form in response to making a token payment after being on a CCCS repayment plan which I have been unable to keep to.

 

th_Norrockincreq2.jpg

 

I am aware that I am under no legal obligation to fill it out (which will take ages, its huge!) but are NR more likely to accept token payments for a few months until I get things sorted out if I do complete it or is it really a waste of time and I should just keep paying something each month even if it is a token payment?

 

Any thoughts on how to respond (if any is needed)?

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ignore it

just pay what you can.

they'll only pressure for more money eitherway, so pointless exercise.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I agree. Ignore it. They have kidded me along for 3 weeks (when I have a repossession looming) with this form and then refused it as they couldn't read one entry.

 

It is just delaying tactics on their part so that they win. Don't let them.

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  • 4 weeks later...

Quick update.

 

I've been making small token payments since July but other than the above "send us your financials" letter I have not had a "we accept/reject your propsals" letter, but just in the last few days they seem to have gone on the offensive. 6 phone calls in 5 days including a couple of silent ones (which to be honest doesn't really worry me as I have a pretty thick skin although I have written to them anyway telling not to call, writing only.)

 

I also received this "final notice"

 

th_NRLetter.jpg

 

One thing that interests me slightly is the fact they seem happy to take payment via credit card, I was under the impression that this was against OFT guidelines, i.e. using credit to pay credit and encouraging the very cycle that got me into this mess in the first place.

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I received another I&E form identical to the first one. Is it worth sending a letter along the lines of...

 

"Income too variable, no point in filling out your form, I can't commit to any payment in the short term, I am aware I'm not obliged to anyway."

 

Would it make any difference if I at least show willingness to communicate?

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at the end of the day

no judge will make you pay more

in-fact, most judges will laugh them out the door and prob asign a smaller payment.

 

pers i'd ignore them.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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where is the right to cancel box?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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threads merged

 

dx

siteteam

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just read the letter they sent and apart from the usual immature threats I had to laugh when I read the name the computer used to sign off the letter "J.Horner" Not THE Jack Horner who sits in a corner eating his Christmas pie....

 

I do hope you haven't ignored them and have called them? Otherwise they get very angry and the coloured crayons come out!!!!!!

 

Personally I would fill in their I&E form and fill it with zero's, OR, make up your own I&E form and ensure you list the following;

Personal Chauffeur wages £150 per day,

Cleaning staff x 8= £800 per day,

Private Jet hire £25,000 per hour,

Cheese & wine & caviare Parties x 4per month £18,000 ea.

Running costs of private helicopter with pilot, £85,000 per month.

Cost of stationary and postage to amuse debt collectors, £1 a week...

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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threads merged

 

dx

siteteam

 

Thanks dx.

 

Just read the letter they sent and apart from the usual immature threats I had to laugh when I read the name the computer used to sign off the letter "J.Horner" Not THE Jack Horner who sits in a corner eating his Christmas pie....

 

I do hope you haven't ignored them and have called them? Otherwise they get very angry and the coloured crayons come out!!!!!!

 

Personally I would fill in their I&E form and fill it with zero's, OR, make up your own I&E form and ensure you list the following;

Personal Chauffeur wages £150 per day,

Cleaning staff x 8= £800 per day,

Private Jet hire £25,000 per hour,

Cheese & wine & caviare Parties x 4per month £18,000 ea.

Running costs of private helicopter with pilot, £85,000 per month.

Cost of stationary and postage to amuse debt collectors, £1 a week...

 

That is beautifully tempting sure enough, the geeky square in me will probably resort to sombre seriousness though despite the temptation to tell Jack Horner exactly where to stick his thumb to look for his plum.

 

They certainly seem to place a great deal of weight on their I&E form, had another request from them...

 

th_iandeagain.jpg

 

On the plus side they have agreed not to communicate by telephone and do everything in writing which to be honest, I was expecting more of a fight over.

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It is very simple, they don't get to see your private I&E full stop.

Ask them which district judge has requested your I&E so that he can view it and advise them accordingly as to how much you can afford?

Or tell them to get down off their high horse, and that YOU will tell THEM how much YOU will pay THEM, if they don't like it to take you to court where you will gladly allow a DJ who is suitably qualified to view your private information, either way the muppets aren't getting anything, you have their bank details, just go ahead and set up the standing order paying them what YOU have decided you can afford. They won't be able to take any legal action.

  • Haha 1

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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Their response to my unwillingness to complete their I&E has resulted in them defaulting me, received this notice by first class post yesterday.

 

**removed because your name is showing**

 

I'm a bit flummoxed by what they refer to as a "rebate" though :confused: Anybody seen that before?

Edited by cerberusalert
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Rebate is how much you would get back if you pay this off earlier than expected.

Oh well, start the complaints process to the FOS, inform them that they have issued a DN in response to you not jumping through their hoops.

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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subbing with interest - im at the same point with NR

 

TB

 

I have been paying them as part of an agreed payment plan which is due to end next month and they have sent me a letter asking me for detailed I&E - which I'm not willing to supply (as they already had this at the beginning of the agreement and my circs have not changed at all) so I am going to cancel the card I have been paying them on and set up a SO for the amount which I have been paying as I cannot afford any more.

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Hi,

 

sorry, i wasn't trying to butt in on your thread, I was just explaining what course of action I am taking in what appears to be similar circs to your own.

 

TB

 

I'm going to start my own thread as and when I need to.... good luck with yours xx

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