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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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DCA Motormile Finance bypassing 141 withold number. **


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Be aware that there is a Motormile Finance Ltd (dissolved) and a Motormile Finance UK Ltd (active).

 

The active company does indeed have a valid CC licence.

 

 

Licence Number:

0628173

Licence Status:

Current

Current Applicant / Licensee:

Business Name

Company Registration Number

Motormile Finance UK Limited

06637307

Categories:

Consumer credit

Consumer hire

Credit brokerage

Debt collecting

Right To Canvass Off Trade Premises:

No

Trading Name(s) (Current):

MMF-Leasing

Money Xpress

Motormile Mortgage

Issued Date:

30-Jun-2009

Date Maintenance Payment Due:

29-Jun-2014

Legal Formation:

Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:

Name

Position

Barnaby Edward Page

*

Neil Anthony Petty

*

Nature of Business:

Other

Current Address(es):

Address Type

Address

Correspondence

322, Harrogate Road, BRADFORD, West Yorkshire, BD2 3TB, United Kingdom

Principal Place Of Business

322, Harrogate Road, BRADFORD, West Yorkshire, BD2 3TB, United Kingdom

Registered Office

Sanderson House, 22, Station Road, Horsforth, LEEDS, West Yorkshire, LS18 5NT, United Kingdom

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So all looks legit then :(

 

It was a payday loan. The loan was taken out on 3 other occasions and repaid. The last time it wasn't repaid. This was in Nov 2009. In the meantime I'd moved away to take up a position overseas, but hadn't been there long when I was invoved in an accident and hospitalised for a while. I wasn't at all well, so a friend contacted Quick Quid about my situation in Jan 2010. Their idea of a payment plan was to pay it back over 3 months - yeah right, with no income coming in at the time and when I wasn't fit to agree to anything! Then when I didn't agree to their payment plan they sold it to Mack H some time last year. Both QQ and MH had continued to pursue me though my old address and were told several times of the new one, but they didn't take any notice. I was in no position to take up the post I had moved for, so came back to the UK when I was well again. Still not 100% and not in work, but trying to get my own thing off the ground. Then last week this Motormile outfit reared its ugly head and I've only had the one contact wih them to stop them pursuing me through my old address. They haven't been given any current contact details apart from email address. MMF did however give me a history of the account, including the 3 previous loans which were repaid, the one that wasn't, including dates and the bank account it was paid into, and that as it was an internet application they had my IP address etc.

 

No payments towards the debt have been made. Any advice very welcome, thanks.

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Yes, I'm of the opinion it's designed to cause maximum fear and discomfort, although I doubt OFT/Trading Standards would agreeDoorstep visit? Without an appointment? Directly contravenes OFT Guidelines. They're so full of their own importance it makes me howl!!!

I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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Thanks for all your replies. Before I phoned last week I did a little digging around the internet and got the impression I wasn't dealing with any old DCA like I've dealt with and fobbed off before. It is the Bradford outfit chasing me. I feel like I'm in a minefield. How do I deal with this?

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Dug out the letter from MMF again (sorry haven't got the facilities to copy this and put it online) and on closer inspection it says:

 

" We will shortly be passing this account to our Field Collections team, but would invite you to contact us to discuss settlement of the account within the next 5 working days"

 

Letter was dated 10th March 2011

Field Officer turned up 13th March 2011 (Sunday evening)

Letter arrived 15th March

 

Definitely goes against OFT guidance.

 

Do I have a legal leg to stand on to challenge their practices?

 

Thanks again :)

 

PS. Only number on the letter is their company number 006637307. No other licence numbers.

Edited by losingmymind
Adding PS
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The small print at the bottom of the letter says

 

"MMF is a trading division of Motormile Finance UK Ltd, a company registered in England with company number 006637307". So they're b*s*ting? Wouldn't surprise me, given the experience thus far.

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Just been reading through all the posts again and am confused. Where do I go from here? I'm thinking I need to write to MMF now and definitely not call. Are there any legal challenges I can make based on the info provided by you all here? Does requesting the CCA apply for something taken out in 2009 and does it work for an internet application, which hasn't been physically signed? I've read so much on this forum generally that I got the impression the important date for CCA challenges is pre-2007. I may be wrong and have got it confused. So, what heavyweight legal jargon can I throw at them to push them away, if at all poss? Many thanks.

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They do have a credit license, also bear in mind we do not know who the owner of the the dissloved company was, so it could simply be the case that Mr Barnaby Page was nothing more than a employee of the dissolved company. I certainly can not see the OFT issuing the below License if he was the owner of the previous company. So i suspect there is no connection between the two companies other than him being an employee and using a similar name knowing the previous one had been dissolved. Am not defending them or debt collectors in general as you all know, by know, what i truelly think of them. But i would advise against making false complaints against them that could be seen as libel.

 

 

 

Application / Licence Details

 

 

Licence Number:0628173

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberMotormile Finance UK Limited06637307

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

MMF-Leasing Money Xpress Motormile Mortgage

 

Issued Date: 30-Jun-2009

Date Maintenance Payment Due: 29-Jun-2014

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionBarnaby Edward Page Neil Anthony Petty

 

Nature of Business:

 

Other

 

Current Address(es):

 

Address TypeAddressCorrespondence322, Harrogate Road, BRADFORD, West Yorkshire, BD2 3TB, United KingdomPrincipal Place Of Business322, Harrogate Road, BRADFORD, West Yorkshire, BD2 3TB, United KingdomRegistered OfficeSanderson House, 22, Station Road, Horsforth, LEEDS, West Yorkshire, LS18 5NT, United Kingdom

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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Just been reading through all the posts again and am confused. Where do I go from here? I'm thinking I need to write to MMF now and definitely not call. Are there any legal challenges I can make based on the info provided by you all here? Does requesting the CCA apply for something taken out in 2009 and does it work for an internet application, which hasn't been physically signed? I've read so much on this forum generally that I got the impression the important date for CCA challenges is pre-2007. I may be wrong and have got it confused. So, what heavyweight legal jargon can I throw at them to push them away, if at all poss? Many thanks.

 

 

Yes send a CCA to Quick Quid, chances are like most payday lenders, the agreement will not be enforceable. Plus it will more likely show the amount your applied for and not the amount you actually received as a loan.

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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  • 3 weeks later...

core bet you're worried....not

 

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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LOL. that must be scary. Tell them were to go l would. Anyway ask them if the grass is patchy on the other side. It will confuse them for a little while.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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How did they 'see through' the 141 to lift the number I had called from?

To go back to the original question...

 

I don't want to go into great detail as I'm sure some DCA's who are regular visitors to CAG would delight in the sort of systems I've been dabbling with. I've been involved in setting up telephone services were this can be done, the withheld number can be found in call reports. It only available on certain business lines and the customer has to make a declaration relating to the use of the information.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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To go back to the original question...I don't want to go into great detail as I'm sure some DCA's who are regular visitors to CAG would delight in the sort of systems I've been dabbling with. I've been involved in setting up telephone services were this can be done, the withheld number can be found in call reports. It only available on certain business lines and the customer has to make a declaration relating to the use of the information.

 

Now that is interesting!

And is extremely questionable, unless this procedure is used for the security of the state, anti terrorism, emergency calls etc, then it will be very very illegal as it is an invasion of privacy.

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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