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    • 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 the 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. So if you subtract the time you took to drive from the entrance. look for a parking place and park in it perhaps having to manoeuvre a couple of times to fit within the lines and then unload the children followed by reloading the children getting seat belts on etc before 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
    • Hi  no nothing yet. Hope it stays that way 😬
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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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Sorry to hear this angel.

 

If it's cc or loan charges they can be claimed, but there hasn't been a successful claim for bank charges since the supreme court judgment in 2009.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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hiya Cadbury

 

many thanks for your help and info, so yes will make the offer, and if they do not accept is it then i do the n244 request to the court for the judge to decide the amount, would that be before they go for the charging order? and i guess need to do this sharply wont I?

 

and yes ive read up a bit on charging orders, understand like you have said, so it just sits there until you clear the debt or if you sell the house then the remaining amount is paid?

 

have i understood that right, ?

 

cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hiya caro

 

yes its a cc debt , thus if you say i can claim those charges and poss interest maybe??

 

should i first make my offer of payment?

 

then do a seperate request for the cc charges and poss interest amount?

 

does it make any difference the ccj is in place now or can i do the claim for the cc charges as a seperate issue?

 

just want to process this in the swifest manner and right way please

 

like cadbury has highlighted too, guess the offer is first

 

cheers angel x

 

REFLECTION - this afternoon i m thinking more of sending in a n245 with my income and expenditure form for the court to let creditor know and if it is rejected then for the court to ascertain the amount on a monthly basis of what i can afford. this may be more beneficial for me then waiting on a charging order claim from them even if i offer them something in writing which they may or may not accept, as its a forthwith ccj my gut feeling is to get an installment agreed legally by the court not by me waiting on the creditor to agree or disagree with me

 

i hope you think im thinking straight, but feel free to let me know if im doing it backwards and not in my best interests this way cheers angel x

Edited by angel_1

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Angel

In our case, it was my oh,s debt, and Ccj was issued forthwith. A Interim C/o was also issued.

I replied for a redirmination, and had the hearing at the same time as the C/O defense.

I armed myself with a I & e, bank statements, Wage Slips etc. The judge didn't even look at these but ordered a amount We asked for, then granted the C/O.

It's up to you Angel, but I would immediatly apply for a definitive amount to be ordered,by the court.This will not neccessarly avoid a C/o but will set the payments.

In the case of Charging Orders, were only 1 person is the debtor and the House is in joint names the C/O can only be registered as a restriction, which IMO only means you need to notify the creditor upon sale of your property.

See "'charging order the myth" on Money Saving Expert or Google.Lots of debate on this, so many disagree.

Won't Know definetly untill I sell my house.

In summary I would get the CCJ changed from forthwith to an installment order,

and don't worry to much if they go for a C/O.

In theory C/O can be made into "Orders for Sale" however

these are as rare as Hens Teeth.

All the Best

Cadbury

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Angel

 

Just catching up. I agree it's probably best to get Court involved re monthly amount to be paid - hopefully based totally on your own I&E only. THEN, when this is in place and can't be changed by the Creditor, put in your claim for refund of ALL charges and contractual interest charged on them. It will not get you a refund but WILL reduce the amount owed - and thus the length of time you need to pay them.

 

AS everyone seems to be saying - Don't worry about charging order. They may well not apply for this if the monthly amounts are being paid regularly, and even if they do, it's pretty toothless unless/until you sell up - and even then, if only a small% of the equity released, it's probably got minimum impact on your future plans/capabilities.

 

Good luck!

 

BD

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hello Cadbury and Bigdebtor

 

you have both confirmed my thoughts and eased my worries, thank you so much, and yes the charging order will only be a restriction i got that from national debtline when i rang them before xmas, so whilst i understood it - i feel i can now relate to it more from your own experiences, so yes, i guess its just a security for the funds excercise from the creditor,,,

 

i will let you know when i hear from the court if its accepted or if i have to attend an hearing,

 

again thanks to everyone who has given me my dignity back with your huge help and including everyone who has responded to me on this particular worry - may i be in a position one day to help you all in a different way and next pay day will be sending in another donation to the site

 

have a fun day will catch up with you all over the weekend, and yes i will work out the charges, albeit i dont think it s a huge amount but even a couple of hundred is better then nothing and that would be to this creditor who holds the ccj? and not the original creditor?

 

cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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You need to claim the charges back from the original creditor and tell them you want it in the form of a cheque or payment into your bank account if that's what you want.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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You need to claim the charges back from the original creditor and tell them you want it in the form of a cheque or payment into your bank account if that's what you want.

 

hiya caro, i see and thats after ive got the payment amount in place with the ccj creditor>?

 

cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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I see no reason to delay claiming back the charges.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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cheers caro

 

angel have a fab day all

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Caro

 

I don't agree. I think Angel should get the monthly payment agreed BEFORE reclaiming charges (to avoid alienating the other party so they become intransigent) - UNLESS the total to be reclaimed is a significant portion of the current balance - which may substantially reduce how much the monthly payment should be.

 

I do agree she should ask for this refund by cheque or bank transfer - i.e. not just used to reduce the balance - but I don't think it's that unreasonable for this amount to just go to reduce the balance - if that is what the refiunder insists on.

 

BD

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I see your point BD. I wouldn't bust a gut over it either way.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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thank you bigdebtor and caro

 

charges refund looking at the figures will not dramatically reduce the amount due but will do just to reduce it by the figure nevertheless ,

thanks again for your points of view highly appreciated as always

 

cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Don't forget the interest on the charges at the contractual rate angel. That can make quite a difference.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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yes caro thank you

 

i know there is a thread ive saved sometime ago about calculcating it all, but if there is a simple one that even i can understand would appreciate a link - LOL my brain is sore at the moment cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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See how you get on with this Angel.:-)

interestcalcs.xls

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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tha you caro for the link appreciated

 

also everyone

my update on this sorry state of affairs,

 

is that i went to cab and they helped with my budget sheet properly as id panicked at the court case my budget to pay this debt was not done correctly by me as id missed off stuff,

 

the amount is low which in reflection is what is really left over once ive paid for things i do need, car for my job, bills and food expenses,

 

i understand from cab and the court when i handed in my form that this would go to the creditor and they had a couple of weeks, if they dont accept then it goes back to my local court for a court official to look at it and decide if its appropriate and rubber stamp it,

 

i really do hope they do at least for a few months i would have peace of mind and then i can get my friend to clear it as fast as poss

- just a shame i have the ccj for the next 6 yrs even though i could eventually i hope get it showing satisfied

 

what i nightmare hope others learn from this experience of mine and also have stopped the bailiffs coming to the house until the decision is made

 

- will work on the charges back this weekend and will update you if i hear anythings on this situation cheers for your help and not forgotten about a money donation angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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