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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Minicredit hardest nut to crack


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What will get them is that they havent read your correspondance or taken your situation into account.

 

In regards to an I&E form, you could call their bluff by giving them something like:

 

Total Incomings: Amount

 

Rent/mortgage: Amount

Food: Amount

Socialising: Amount

Car Payments: Amount

Fuel: Amount

Council Tax: Amount

Credit Card 1: Amount

Credit Card 2: Amount

 

Total amount remaining for LOW PRIORITY CREDITORS : Amount

PDL's Share: Amount

 

 

It gives them an I&E form, however it doesnt list any detailed creditor information ( which the PDL/DCA doesnt need anyway). If they try and ask for creditor specifics, then you know something is very fishy.

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

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Aha Rene, already done all that ! You have taught me well.

 

13 emails sent each one has simple I & E and offers £40 a month, their continuous response has been hardship account set up or you can pay anytime on our website.

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Next time, dont send anything. It's not up to you to chase them up. You have issued a formal complaint, they should know they have 8 weeks in which to reply.

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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Now a text and a voice call (i think they are recorded, they don't let you speak..)

Harrasment letter in along with original formal complaint.

CC'D the CEO for what its worth.

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I always wonder why they threaten doorstep collectors. Last time i faced one, i just leant against the wall with my arms folded in the doorway and ignored him. Good job he didnt step foot through the gate though or my ex's dog would have had him fast.

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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Hi Jo. How are you getting on with with this? I have just sent minicredit a message on their online 'ask a question' box. I asked them to freeze interest and set up a payment plan. Also had a good long rant about the ridiculous charges. No sooner had I sent it, I got the email back offering the hardship account - suspiciously fast. I owe just over £500 on a £100 loan.

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Hi Jo. How are you getting on with with this? I have just sent minicredit a message on their online 'ask a question' box. I asked them to freeze interest and set up a payment plan. Also had a good long rant about the ridiculous charges. No sooner had I sent it, I got the email back offering the hardship account - suspiciously fast. I owe just over £500 on a £100 loan.

 

You owe the loan plus original interest. Nothing more.

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 would like to share my experience with you. I have now been in dispute with MC for over a month now. I offered a repayment of original loan plus 1 months interest and they kept declining giving all sorts of reasons. I got in touch with FOS and copied their adviser into the correspondence asking them for their FINAL decision on the matter. Today, I got an email saying they are willing for me to set up a payment play for the amount plus only 1 month with their debt collector MacKenzie Hall. I am happy to let anyone see the correspondence if they would feel it useful.

 

C

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Right, I complained to MC that according to their complaints procedure I should have received an email from a Customer Services manager 'with a real name' not a c & p robot. This did the trick and am now in email conversation regarding total amount owed. They have wiped all attempted debit charges, debt recovery fee and second default fee, that takes it to £600 ish. Today they say they are passing to their DCA for a repayment plan.

 

Will wait for their next step.

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So theyre wiping most of it, because youve called them out on unenforceable charges, yet for some reason theyre still passing it to their inhouse 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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"Your account to our debt recovery partner by the 8th of June 2012 as they have the possibility to set up payment plans. The debit attempts will not continue of the date the account is allocated to our partner."

Mackenzie Hall or Opus ?

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Was that even coherent english? lol

 

 

Regardless, they must stop debiting your account when you instruct them too. Not when they feel like it.

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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  • 2 weeks later...

Hi, I am having trouble with this company regarding paying just the debt and onemonths interest, could i see the correspondence that you sent them please, hopefully it may help me too. Many thanks inadvance.

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Update

 

Minicredit said they were passing on to inhouse DCA.

Yet 15th June I get more phonecalls and another 'we are coming to visit you letter' stating I owe £1047.

 

Tackled them on this and get an apology! Delay in passing account over.....

 

Still waiting.

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Update

 

Minicredit said they were passing on to inhouse DCA.

Yet 15th June I get more phonecalls and another 'we are coming to visit you letter' stating I owe £1047.

 

Tackled them on this and get an apology! Delay in passing account over.....

 

Still waiting.

 

I instructed them to pass my account over to their DCA two days after defaulting (11th June). Minicredit told me that they pass all accounts over twice per month and that it can "take some time" before you hear anything.

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Sent Minicredit an email earlier to try and find out when my account will be passed on and they've replied saying the start of July.

Maybe yours will be sent at that time too Jo and we can then have fun dealing with the DCA together!

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I sent letter to them on the 16th of this month saying yet again that I will not pay the outstanding £2252 on a £250 loan less than 6 months ago and to bring on the court action !! Now I keep getting texts saying they will reduce it by £1092, not replying, sick of telling them to send letter only with details andwill pay only orignal loan and one months interest.Will let you know how I get on.

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I sent letter to them on the 16th of this month saying yet again that I will not pay the outstanding £2252 on a £250 loan less than 6 months ago and to bring on the court action !! Now I keep getting texts saying they will reduce it by £1092, not replying, sick of telling them to send letter only with details andwill pay only orignal loan and one months interest.Will let you know how I get on.

 

After six months why have they not passed it on a DCA? They give four months for customers to clear the debt with them if they choose to do so after defaulting with the expectation of at least a monthly payment (no specified amount) and then any remaining debt gets passed on to their DCA.

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So have you paid anything at all towards your original loan and interest? As I said, I proceeded in requesting them to immediately pass my account over to their DCA two days after defaulting because I didn't want any further dealings with Minicredit. I'm expecting a load of extortionate charges to have been added once the DCA receives it but have been informed that they will most likely be able to wipe these charges once I dispute the unfairness and legal issues.

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