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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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Natwest/Carter got CCJ without my knowledge


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Had a letter this morning from Bryan Carter & Co saying that there is a ccj registerd against me for £687 owed to Natwest. It goes on to say that the ccj was obtained on the 19/10/09. At first I thought this was a mistake but I have done some digging and recall recieving a CC Claim just after that date, when I check on MCOL it states that

A claim was issued against you on 19/10/2009

 

Your acknowledgment of service was submitted on 08/11/2009 at 12:12:00

 

Your acknowledgment of service was received on 09/11/2009

 

Your defence was submitted on 10/11/2009 at 19:21:00

 

Your defence was received on 11/11/2009

 

On checking dates it seemed I was a few days late with the initial acknowledgement, and recall this was because we came back from hols on the 7th Nov so hadn't been aware of the dates. I have to accept this was a mistake on my part albeit not deliberate but the defence was reg well before the 28 days.

 

I have been through all my desk drawers and can find nothing from the courts to say the CCJ was made and in fact had forgotten all about this thinking the defence had been enough to end the matter. I have checked with Experian and lo and behold it is on there as well !.

 

Is there anything I can do about this. perhaps apply for set aside or should I take the punishment and go cap in hand to Carters.

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If you responded to the poc i.e acknowledged it/submitted a defence or evan made an enquiry at the court then it makes it very difficult. Take a read of this http://www.trustonline.org.uk/understand-judgments-fines/set-aside-a-judgment/

˙os op oʇ pǝʞsɐ ssǝlun ǝƃɐssǝɯ ǝʇɐʌıɹd ʎq ǝɯ ʇɔɐʇuoɔ ʇou op ǝsɐǝlԀ ˙pǝɹnɔɔo sǝssol ʎuɐ ɹo ǝɹnlıɐɟ ɟo ʇlnsǝɹ ɐ sɐ ǝlqɐıl plǝɥ ǝq ʇou llɐɥs I ˙llıʍpooƃ ɟo ǝɹnʇsǝƃ ɐ sɐ os ǝuop sı uǝʌıƃ ǝɔıʌpɐ ʎu∀

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You should have recieved confirmation that the CCJ was granted, informed of the repayment schedule or whether it had to be paid immediately (forthwith judgement).

 

Is there anything I can do about this. perhaps apply for set asidelink3.gif or should I take the punishment and go cap in hand to Carters.

 

You can't apply for a set a side. You acknowledged & admitted the claim. The fact that they have done nothing to enforce the claim, makes me think you do not own your own home. They would have gone for a charging order if you did. If you have no assetts, make them an Full & Final Offer.

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Yes that's my point I have received nothing from court, can it be registered without going to court maybe.

 

I own my house but the amount is less than £800 so would that make a difference

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Yes that's my point I have received nothing from court, can it be registered without going to court maybe.

 

If you aknowledged & admitted the claim. They got judgement. Yes, you should have recieved confirmation that the CCJ had been awarded and the repayment schedule. But not recieving this, are not grounds for a set a side.

 

I own my house but the amount is less than £800 so would that make a difference

 

Doesn't seem to make a difference to DCA's. If they have a judgement, and you haven't complied....they may well go for a Charging order to secure the debt.

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Yes that's my point I have received nothing from court, can it be registered without going to court maybe.

 

If you acknowledge the claim but sent in an intention to defend then you should have been given a date for a hearing, if not then it sounds like the DCA have jumped the gun and is very naughty.

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