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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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welcome finance SAR recieved


fitz125
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Hello i have recieved my SARS from welcome today and i'm wondering what to to now?

 

I have 3, yes 3 active loans and 2 settled ones.

I recieved all the SARS this morning and clearly there has been copying and pasting going on :mad2:

It has taken me hours to sort everything out. I cannot believe the ammount of insurance i have been charged and the intrest thats going on it.

 

So in short i want to take it further, so do i go to one of those companies that do everything for you or do i try and do it myself??? Please help with this nightmare!!!!

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Hi fitz

 

Heres a complete guide to claiming back PPI, remember to claim back the contratual interest on the PPI, confirm that it's been mis-sold, if it has been get all the ppi on a spreadsheet to work out your claim. Spreadsheets can be found in the library :-

 

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

 

http://www.consumeractiongroup.co.uk/forum/content.php?559-Interest-Calculation-Spreadsheets. you need the advanced interest spreadsheet.

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Hi thanks for your help. This is a real nightmare and i don't know where to start. I have even just found out as well as ppi on all my loans i have a £ 2000 brokers fee which they are adding interest on as well, Along with acceptance charges on my other ones which are also having interest added on.

 

Do you know if i can claim back all these fees also?

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Re the brokers fees. We signed the paperwork at home for a secured loan and knew nothing about it or the ppi, apparently the brokers fee is 10% which is 2 grand and the ppi is nearly 4 grand. We thought we borrowed 20 grand but in fact it is nearly 26 grand they are saying we borrowed. Plus they have put the payments up without informing us. This is just a total nightmare and i wish i'd never heard of them .

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Still going through all this paper work, Was just wondering if they should have sent me details of who the insurance is with?

Also can i claim back all the charges they have added to my accounts??

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Re the broker fee, was this disclosed to you when you signed the agreement, i.e the full amount charged placed on the agreement. The reason I asked I was in a similar position regarding a hidden broker fees on an HP agreement. I think there is strict guidelines and 'a broker fee may be charged' is not good enough. Postggj is the one to ask he loves Un-Welcome and all their hidden fees.

 

JJ

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Hi all Just seriously getting stuck into all of this, I've just noticed i have acceptance fees that have been charged and they are taking a monthly payment for the acceptance fee which is included in my monthly payment, Which inturn means they are actually charging me interest on the fees.

 

Am i allowed to claim the fees back as well as any interest incurred??

 

Thanks in advance.

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Sorry to be a pain but i really don't have a clue what i'm doing.

Do i use the advanced speardsheet for banks to work out the ppi and intrest??

Also can i add the fees and intrest from the fees on the same sheet??

Many thanks

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