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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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lloyds tsb debt - every dca has had this alleged debt - when will it stop! - help


tc5712
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did you ever sar lloyds?

 

might have charges/ppi there to reclaim?

 

dx

 

Hope I am posting correctly but your question about PPI on this debt has prompted me to an eureka moment.!!

 

These DCA have bought debts that they hope to capitalise on yet what about this situation regarding claim back on PPI

and other charges how does this affect them regarding the total payable figures that they quote on their paperwork.

 

I know you can dispute this but I am not clear as to the end result how does the debt get recalculated after refund ?

 

Am I just being dimwitted or missing something here ?

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i bet it will WIPE the debt out

 

AND most prob go direct to YOUR pocket

 

if the debt has been sold

 

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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only bank account charges are off the menu [though those you can sometimes get back under a hardship claim]

 

everything else CC.loan.cats debts.

can all have charges reclaimed

[over/late/letter/phone etc etc]

 

AND you can get back the interrest at THEIR rate that these have attracted too.

 

there is a 6yrs limit [as such]

but there are MANY MANY successes of charges passed 6yrs being won]

 

PPI can be reclaimed from ANYTHING.

and there is NO TIME LIMIT

 

suggest you do some reading around

some threads

 

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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  • 2 weeks later...

New letter from the 'Solicitors' dept on behalf of Westcock.

 

Basically saying contact them to arrange a 'reduced' offer of payment for settlement.

 

Yeah, right! If they had any legal standing whatsoever why would they offer this option?

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they need free money for their xmas party.......

 

discount letter is always the clincher to them not having

any concrete proof the debt can be enforced.

 

ignore

 

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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  • 1 month later...

Since I last posted I'm still keeping up the silent treatment here.

 

A couple more letters have been filed from Westcocks 'Solicitors' dept.

 

They seem to have given up and have now received a 'door step collection notice'. Saying they will make an 'appoinment' with their agent to visit me!

 

Will be interesting to see how such an 'appointment' can be arranged as I have never had any contact with them execpt when they called me (which they gave up quick smart when I gave them the only in writing treatment).

 

What next?

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Continue the silent treatment, they simply lie and threaten people, you have zero to worry about, if in the unlikely event any such clown did turn up and you answered YOUR door to YOUR property, I believe the conversation would be extremely short, a little like them asking you who you are, and you just laughing at them.

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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  • 2 weeks later...

OMG! Westcott keep going!

They called my mobile on Friday evening and I know it's a no-no but couldn't resist a few words. It went something like this:

 

Westcott: Is that Mr tc5712?

Me: Yes, good evening, how are you?

Westcott: Good thank you, now if you could just confirm these security questions?

Me: No

Westcott: (Pause............) Um...... why?

Me: I've told you before to only contact me in writing.

Westcott: But we have been.

Me: Yes I know

Westcott: But you haven't replied.

Me: Yes I know

Westcott: (Pause............) Um...... why?

Me: Because I'm ignoring them.

Westcott: (Pause............) Um...... well that's your choice.

Me: Yes it is.

Westcott: Ok, we'll send a letter.

Me: Please do and don't call again! (Click).

 

Then their auto dialler called my landline and it was the same person!

 

Westcott: Is that Mr tc5712?

Me: You know damn well it is!

Westcott: Did I just speak to you?

Me: Yes you did, do I need to go all through it again for you?

Westcott: No, (click)!

 

Oh what fun.....

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phishing list pass the parcel

 

as post 64

 

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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  • 3 weeks later...

Oh dear,

 

I seem to have upset them and stirred up a hornets nest with my phone conversation a few weeks ago!

 

I've had a couple of rambling letters since but now this one! (On pretty pink paper)! Where did they find that? lol

 

'Reduced payment', 'must be made to our office'.

 

Dream on...

Westcot 21 Feb.pdf

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clincher

 

a discount letter

 

we are begging you to pay us 'something' before you realise we can't get anything from you

 

totally ignore

 

told ya!

 

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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  • 2 months later...

Please welcome the newest guest to this party 'IQOR'.

 

Google searches suggest they are normally associated with eBay & paypal disputes, the number I rang back (01772 220504, just to conform who they were because when they called me I thought they said 'ICALL') they guy said they work on behalf of Halifax & LloydsTSB.

 

CLICK!

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Idiot iQor, another of the industries finest clowns, these fools also have their fat fingers in other pies as well, including the BBC, sorry TV Licensing...

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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Two new letters this week. (Attached).

 

The first to hit the doormat was from Lloyds telling me they have passed the debt to Iqor, (I presume passed = ask them to try and get some money, see the bit about Iqor letter below). thanks for that. They've already called and told me that! Very keen beavers...

 

The second from Iqor themselves with all the usual threatening phrases but it still says at the top left 'Debt of £xxx to Lloyds TSB'.

 

I am presuming that, a) the supposed debt is still owned by Lloyds & b) keep up the silent treatment?

 

TIA all,

 

TC

LloydsTSB May 2012_0001.pdf

Iqor May 2012_0001.pdf

Edited by tc5712
Barcodes removed
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Pull the links to the letters and remove that bar code, the funny lines.

 

It would be safe to say that Lloyds still own this, but check your credit file also to see what is on there.

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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Pull the links to the letters and remove that bar code, the funny lines.

 

It would be safe to say that Lloyds still own this, but check your credit file also to see what is on there.

 

Attachments edited, have email alerts set on my credit file and have had no warnings...

 

Thanks Boo.

  • Haha 1
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Phew!

 

I am of the opinion that DCA's can be given the silent treatment, after your contract is not with them, I know what it says in agreements about passing it to third parties etc, but the fact that banks are not whiter than white, and they then pass it to another corrupt industry to collect is, to me, indicative of the financial industry as a whole and the OC needs to take responsibility for it's actions.

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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