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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.
    • 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
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Payday Battle


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I have to say I used both those email addresses and got ignored. I had no joy until the debt was passed to castlebridge credit. They took about a day or so to answer each email which was frustrating and they kept asking for for proof that I had lost my job, bank statements and income expenditure. I kept refusing as I just didn't trust them. In the end I said look the sooner you accept the sooner you get ure money. And they agreed. It took 4 months though, but persistance is the key

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Ok I found out if send it to dr@ paydayexpress.co.ukyou be asked send income and out coming form they might ask for bank statements but don't send them in they might keep ringing you or saying cant be done but keep emailing them and soon give in.

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Also with the income and outgoings form, do not list any specifics.

 

List your debts as:

 

Credit card 1 -

Credit card 2 -

 

etc. Too many times they try and get creditor details so they can send them letters asking for certain details such as banking info or employer details.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Can i just ask how to you get payday express to agree to your repayment plans? They are ignoring all of my emails! Please help :-(

 

hey - they are a nightmare it has taken me just over two months to get them to agree. I sent about two emails a day to dr @ paydayexpress.co.uk and customer care@ paydayexpress.co.uk stating over and over again that I wanted a repayment plan. They ignored me for a while but eventually got something back asking me for an income/expenditure form. They are very very slow at replying to your emails and will ignore most of what you say but as everyone says persistence is the key, do not give up and do not let them bully you into anything. I was advised to keep a record of every time they rang me which I did so as I was receiving up to ten phone calls a day on my mobile and house phone. Do not bother answering them they are incredibly rude and mocking and as I am sure you have read everywhere on here everything can be denied from a phonecall!

 

Keep keep going, it feels so fantastic now to be able to say that they have finally given into me after all this time!! good luck!

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Pete T,

Elhs is spot on, don't talk to these buffoons. Keep a note of the calls they make, package them up and make formal complaints to FOS, OFT and trading standards. They're well known at ignoring consumers (have a read through the threads) so don't take it personally.

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toptrapper : i already got deal with payday express for £5.00 via being clever and not moving from it even told them if went court and i told them refused even small amount even if was not repayment plan in the end given in and settle for £5.00 per month i done same to others i like them to ring me its funny as because tell them unless take the repayment plan there no point ringing me and only way would speak was via letter.

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Pete T,

Whilst I wish you well, and are pleased things have worked out, from my own experience, conversations with these people are "lost", by the PDL - I stress this is only my experience, but from reading many other threads on here, I know I'm not alone!

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Oh right well guess time will tell on how well they stick to the agreement i placed with them i got the copy my own agreement that had them sign and return just help my case if went to legal point view.

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toptrapper : i already got deal with payday express for £5.00 via being clever and not moving from it even told them if went court and i told them refused even small amount even if was not repayment plan in the end given in and settle for £5.00 per month i done same to others i like them to ring me its funny as because tell them unless take the repayment plan there no point ringing me and only way would speak was via letter.

 

Hope they said they were 'freezing' interest and this was in writing? when they accept a 'low' repayment amt they often don't or didn't make this known! which means u won't have one over on them and find u actually end up paying far more

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alice.in.wonderland :so far all them have agreed in black and white freeze interest on the condition i don't miss a payment if i do this will return there only one that so far not allowed payment plan to but into place and that was OneMonth as wanted £10 even told them this can't be made to later date.

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Good fella well done : ) as long as it's all in writting your safe if they do try playing silly beggers nearer the 'end'! just trying to give u a heads up as they are vulgar!Stick to your guns with onemonthloan - u r looking better as your paying others off anyway - use it!!! they will be stuffed!

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Guest Poguesy
congratulations!!

 

I can also announce Payday Express have finally sucummed and I am FINALLY on a repayment plan with them!!

 

I knew you would get there in the end :)

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Well... after about 60 emails to payday express they have finally given in and have accepted my £45 a month repayment plan!!!! :whoo:They have frozen all interest and charges and have gave me their bank details! Thanks everyone for the advice don't know what i would of done without your help!

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  • 2 weeks later...
Guest Poguesy

Well,

 

Today i finally received a response from Money Shop's "company secretary" regarding my complaint.

 

They've agreed to wipe the extra interest and charges and have accepted a repayment plan on my own terms.

 

It's nice to now have every one of them sorted in arragements. Just gotta focuse on paying them off now! :p

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Brilliant news. Well done. Just make sure that they've agreed to paying the debt off, and not just interest.

 

But that feeling you get knowing that your debts are in order and its just a matter of time to get debt free, is second to none.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Did you honestly expect an apology??!

 

As for them writing off interest and charges - these (probably) shouldn't have been attempted to be levied against you in the first place. How are you getting on with FOS OFT and Trading Standards?

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And this is simply because others have had the guts to stand up to them - wouldn't surprise me if their now sooo desperate to make themselves look good hee hee Of course they will now write of charges! absolutely funny I only hope it is to little, to late

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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