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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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**URGENT**Help needed with defence against Restons/HSBC


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Hello, I need some advice about what to do next please.

 

Long story short. 2 accounts with HSBC,unsecured loan & current account. Loan £15051, account: £1089. HSBC defaulted loan 31/11/2010 and account 01/03/2011 (according to credit file).

 

Metropolitan Collection started chasing debt of £17,000 12 months ago. After CCCS advice, have been paying £40 EVERY month, on-time as agreed direct to Metropolitan.

 

03/11/2011 Metropolitan wrote to me telling me that the arrangement has now expired and to return the attached questionnaire confirming ability to pay £60 per month. Completed questionnaire and return to Metro within timescale (have proof of delivery) saying financial circumstances haven't changed & I could only afford £42pm.

 

03/12/2011 - letter from Metro saying o/s balance was £16,183.43 and as I had failed to make the payment, they were taking legal action against me. ( I always continued to pay £40 pm during the whole time and still do).

 

26/12/2011 Metro now referring me to Restons!!!

 

30/12/2011 letter from restons demanding full payment. Income/expen form included for completion. Complete for sent back (reg delivery) to Restons within timescale.

 

03/02/2012 - Claim pack from Northampton Bulk centre - no NOS/credit agreement/DN attached.

 

16/02/2012 - AoS submitted online defending whole claim.

 

17/02/2012 - CPR 31.12 & CPR 16.4(2) request sent to Restons (Reg delivery, received 22/02/2012)

 

27/02/2012 - Letter from Restons disputing need for NoS or DN to be attached under CPR. PD7(1.4)(3A), also stating that I am "fully aware of the nature of the claim against me as I was sent a Letter before action previously by them", that my debt has not been assigned to them, HSBC remains the creditor and owner of the account and the copy of the agreement will be forwarded to me in 'due course'.

 

NOW!! I have 2 defaults against me from HSBC on my credit file. But I THINK that HSBC have amalgamated my to accounts (loan & current) and are chasing me for the total OR the amount owing is just for the unsecured loan and there is over £1000 worth of charges on the default amount. If it is 2 combined accounts, can they combine them without notifying me?? and that then means that there should be 2xNoA/DN & credit agreements????????

 

I need to send my defence in by Weds 07.03.12 and I have been looking at all the threads to try and find the relevant response for defence but I'm starting to get confused. I know that getting the information regarding the breakdown of o/s balance from Restons is paramount but I also know what sneaky so-&-so's they are.

 

Please can any one point me in the right direction....quickly.

Edited by honeybee13
Putting in some paragraphs to make it easier to read for people trying to help.
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Hi, thank you for your swift response. I do have a letter from Metro agreeing to the repayment plan for 12 months. Then financial situation reviewed I think, (i'll have to check the exact wording). Is my post in the right forum by the way? and what is Esstoppel (sorry for being dim)

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Hello again.

 

I'm not very familiar with this forum myself.

 

The legal templates are on this forum's titles page, which you will arrive on if you use your browser's back arrow to leave this thread. Once on the 'front page', scroll up to the yellowy green section where the templates are. Of course not every situation is suitable for a template, as you might imagine.

 

My best, HB

Illegitimi non carborundum

 

 

 

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As they have not responded to CPR requests, you may want to enter a simple holding defence with leave to change it when you need to.

 

As Honey has pointed out, it's normally very quiet over the weekend, but don't panic, hopefully omeone will pick up on this soon!

 

In the meantime, research 'embarressed' defences!

 

Jogs

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Hi! I've just noticed something wrong on the court paperwork. The account number on the PoC is a the wrong account number. It's the current account number not the loan aggreement account number. A default has been registered against me for the current account but only for £1089 on 01.03.2011. The o/s amount £16183.43 being pursued is the defaulted amount of the personal loan (date of default 03.11.2010).

Does this mean that the DN will be invalid because it has the wrong account details on it??? Also PLEASE can someone advise me on what to put in an embarrassed defence as it is due to be posted today and I really am losing the plot.

With thanks

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Can you type out the Particulars of Claim verbatim Kay?

 

Regards

 

Andy

We could do with some help from you.

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Hi Andy. THANK YOU for responding, I have the document scanned in but don't know how to paint over the personal details.

 

PoC:

 

"The Claimant claims payment of the overdue balance due from the Defendant under a contract dated on or about 15/04/2008 in the sum of 16261.71 inclusive of interest to the date of this summons at 8% per annum from 30/12/11 to 02/02/12

 

PARTICULARS a/c no:- ******/****0570

 

DATE ITEM VALUE

30/12/2011 Default Balance 16183.43

29/12/2011 Post Refrl Cr -42.00

 

02/02/2012 Interest 120.28

TOTAL:- 16261.71

 

Together with;-

Interest pursuant to s69 County Courts Act 19 at the rate of 353.78 pence per day to the date of Judgment or sooner payment.

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If you could just edit that post Kay remove the account number.

We could do with some help from you.

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The Claimant is HSBC, acting Pestons (we want a charging order) solicitors correct?

We could do with some help from you.

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Ok as the Claimant is the OC there is no NoA because the account/s have never been assigned.There should be a DN for the P/L along with the agreement you state you have.The overdraft which they have incorporated will have no agreement nor a DN its known as as recall notice served under Sections 76(1) and 98 (1).You state you have acknowledged the claim and its your intention to defend all the matter.

On what basis will you be defending this?

 

Regards

 

Andy

We could do with some help from you.

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The DN was filed for the PL on 03/11/2010 - £15051 acc no: ****5974

The DN was filed for the personal account on 01/03/11 - £1089 acc no: ****0570.

 

Metropolitan passed the outstanding debt (16183.43) to Restons account number ****0570.

They have assigned the pers account no to the PL balance.

It says on the PoC that the default balance is £16183.43 on acc no: ****0570. The correct account number is ****5974.

I think that HSBC merged the 2 accounts but cannot use 2 account numbers so have used the pers acc ref-0570.

So on which DN are they enforcing? and if the DN has the incorrect account number does it make it invalid??

Also we had a payment arrangement in place with metropolitan DCA for £40 pm which was paid for over 14 months without missing a payment.

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I have already submitted a CPR 31.12 & 16.4(2) request to Restons. They have responded syaing they don't need to attach the PoC contract claims to the form as it is processed by the bulk centre and that I am already fully aware of the nature of the claim following their Letter before Action. They confirm my previous and continuing monthly payments of £40 and say the contract agreement has been requested from HSBC and will be forwarded in due course. Is this right???

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Ok thank you Kay,

 

I understand all the above, not exactly standard procedure when debts are to be recalled.Not really a defence though, ok I see they have levied unfair charges to the Personal loan account of over £1000.00 are you sure its the PL or the O/D?

The fact that you are in a payment agreement and continuing to make payment is a plus also,why did this break down if at all, are you still to this date maintaining payment?

 

Andy

Edited by Andyorch

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I have already submitted a CPR 31.12 & 16.4(2) request to Restons.Why they are of no use? They have responded syaing they don't need to attach the PoC contract claims to the form as it is processed by the bulk centre they are correct and that I am already fully aware of the nature of the claim following their Letter before Action. They confirm my previous and continuing monthly payments of £40 and say the contract agreement has been requested from HSBC and will be forwarded in due course. Is this right???
The personal Loan agreement you already have?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Yes the payments are still being made every month. According to the credit file, £37pm is coming off the PL and £3 is coming off the O/D. The problem I have is that I don't know exactly what the £16183.43 is made up of. If it's the P/L with £1000 charges, the P/L & O/D combined or the O/D with obscence £15k charges. All I know is that they have used the O/D account number as the account their chasing.

Metropolitan wanted more money per month. I filled in their incoming/outgoing form and returned within date (with a cover letter stating that my financial circs hadn't changed. The only response I got was a letter from Metro saying I'd failed to make the payment as requested. Then letter saying they were passing it to restons

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