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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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N d r / marshall hoare bailiffs


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Hi all

i am hoping someone can advise me i stupidly

took a payday loan with speedy dosh and could

not afford to pay it back i offered to pay monthly

but they refused i am now constantly being

harrassed by ndr and marshall hoare bailiffs

the original loan was £150 i offered to pay off

the original but no joy they are demanding £600

or i will be getting a visit from enforcement officers

i don't want this as i am currently living with my

parents they said they would accept nothing less

than £50 a month but i cannot afford it what do i do

i did telephone o f t and trading standards they took

my details but i have heard nothing else from either of them

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They will accept nothing less? Pity they can only accept what you can afford. They are not allowed to demand repayments that will leave you with no money or put you into hardship.

I wouldnt worry about court as you wil be able to submit a defense, and put your full side of whats happened. WHen the judge sees that you have tried repeatedly to get a plan set up, and theyve refused and added more charges, it will be them who will be in trouble.

 

Also note that the letter/email you got is a scaremongering letter, plus IIRC it has to be sent by letter. Not by email. Also, with the thread of a doorstep collector, theres a very simple letter that can get rid of this worry.

 

If you like, i can write out a letter for you to send them.

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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Thank you for your reply i am really worried about this

i can afford £35 a month but they are refusing i have

tried asking speedy dosh to consider a payment plan

as i refused to deal with their collection agents but

they are refusing to set up the plan and basically

told me to deal with the collection agents

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Dont worry at all. Even if it goes to court (which is a long way off) you can put a defense in saying that you have repeatedly contacted them to set up a repayment plan, but they have been bullying, harassing and prefer to stick on more charges. When you prove that you genuinely cannot afford the repayments, the judge might even say £1 a month repayment is adequate. You could even enter a DRP if you have other debts and then they will only ever get £1 a month.

 

As i said, the DCA is bullying and harassing you into repaying an amount you cannot afford. I'll write up a simple letter in a few for you to send them by RECORDED DELIVERY letter. If they still dont take notice, then my suggestion would be to let them send it to court. You can then enter a defense which will force both the DCA and the PDL to send a representative out to explain themselves.

 

The DCA hope that you will pay the amount they demand, or that you wont defend yourself in court so they can win by default. You'll find that once you tell them that you will defend yourself in court and have lots of evidence to show your side of the argument, that they will back down and try to settle out of court.

 

You also need to get a full complaint into the OFT and FOS and will the MP Stella Creasy who is doing an investigation into PDL's and their DCA's.

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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I have just had a email from speedy dosh telling

me not to contact them regarding this matter

and if they recieve any more emails from me

they will forward them to their collection agents

i asked them for the email address for the collection

agents as i cannot find one but i have had no reply

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Then until you get an email or better still a physical address, keep contacting the PDL.

 

By the way. Since they have said they are bailiffs, yet they havent been to court for the debt, im thinking that its actually a subsidiary of the lender thats contacting you. Not an actual DCA.

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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