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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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SPML/Capstone/Ascenden


Jen2603
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I'm presently complaining to the ever lovely Capstone/SPML/Ascenden regarding mortgage arrears charges. Going through the statements has been eye opening to say the least.

 

Since taking my mortgage out in 2007 the total CMI due amounts to £19,034.27.

 

I have paid a total of £19,835.73 (All CMIs due +801.27)

 

Yet despite this my CMI arrears presently stand at £316.92

 

and I have been charged a total of £4792.15

 

of which £3841.00 are late payment/arrears management fees

 

and £951.15 relate to solicitors fees.

 

At their worst my arrears amounted to no more than three months payments roughly £900 or so.

 

I'm happy enough to pay their solicitors fees but the additional charges levied seem somewhat disproportionate.

It also appears that until last year they have been allocating my overpayments to the charges rather than

the missed payments keeping me in permanent payment arrears and walloping on the charges.

 

For example this month I'll pay them £500 which will cover the £316.00 presently outstanding with plenty

left over to pay towards their legal costs but because I cannot pay on the 1st as I don't get paid until the

20th, I'll be getting hit with another arrears charge. Likewise I'll be in arrears again from 1st of June

because I cannot pay until 20th June and so on.

 

I've just sent my complaint off to the ombudsman, however was wondering if anyone here can report the

ombudsman looking at things fairly. I genuinely don't mind reimbursing any out of pocket expenses incurred

by SPML/Capstone/Ascenden but these charges cannot possibly be an accurate reflection of their costs.

Edited by Jen2603
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get reclaiming

 

they are PENALTY fees - end off

 

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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get reclaiming

 

they are PENALTY fees - end off

 

dx

 

 

I knew they'd been pretty bad with the charges but I cannot even begin to describe how shocked I am

seeing the total and knowing that all my monthly payments have been brought up to date, yet they continue to charge me for the charges. Had SPM/Ascenden allocated everything I have paid to the monthly payments rather than their charges. I would not presently be in arrears.

 

I have found more than one instance of them putting me back in arrears by allocating my full monthly payment to charges and then adding another £95 charge to my account for 'missing' a payment.

 

I've sent everything off to the FOS I'm just hoping they'll look sympathetically at my situation.

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Hi Jen, have you sent a calculation to the FOS ? i.e. a spreadsheet showing payments made and charges applied to your account each month since you went into arrears ?

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I've just done a breakdown of the charges and requested a refund of interest. I wasn't sure if I should go for the contractual rate or the statutory rate of 8%. Any thoughts?

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pers i'd use:

 

FosCISheet v101.xls

 

and use their mortgage int rate.

 

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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The FOS are a bit of a lost cause. I complained & after approx 2 yrs they found some charges in my favour, I accepted & SMPL had until the 25th April to contact me, I contacted the FOS again & they said I would here by the end of the week which was a fortnight ago, STLL WAITING.

 

Hope you have more luck than me

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Good luck Leo1.

 

They are a terrible company.

 

Mind you their incompetence worked quite well for me recently.

I didn't do a SAR.

I just wrote a letter querying the level of charges applied to my account and stated that I felt they were excessive.

I got a couple of standard acknowledgements, then a massive envelope containing all statements,

charges etc with a covering letter saying that was their final response and if I wasn't happy I should go to the FOS.

So I did!

 

They either must be feeling very confident or are overwhelmed by reclaims

and can't be bothered even pretending to go through a complaints procedure.

 

I'm not feeling too great at the moment and have a lot on.

If they'd been smart and spun it out they could have got rid of me for a while longer at least.

 

Going over the statements

 

I note that they've refunded charges at seemingly random intervals.

As I hadn't complained I'm not sure why they've done this.

There doesn't seem to be any pattern to it.

One month they'll refund an arrears charge,

the next they impose it even though the payments made within each month are the same.

 

I've not heard back from the FOS yet, though it's still early days. Will keep thread updated with progress of a hopefully successful reclaim.

 

Dx100uk-

Thanks for the calculator.

 

It's been an amazing help.

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Hi

 

We have sent Acenden a cheque for £4666.32 for fictious arrears charges to clear them as we are sick of been takin to court by them, Acenden claim they have never recieved the cheque even though it was sent recorded post and signed for as recieved On the 8th May, The cheque was cashed on the 10th May and was cashed by them and still they say they have never recieved it thus leaving us still in arrears and had the balls to ask us for a £65 administration chrge cheeky sods

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Did you write your mortgage account number and name and address on the back of the cheque ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Did you write your mortgage account number and name and address on the back of the cheque ?

 

yes we did and they no they have recieved and cashed it. The holding on because we are in court with them again on the 25th May so more charges 2 be added

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Have you done an up to date statement for court with proof of them receiving and cashing the cheque ?

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OK, if you need help with writing a statement for court to go with the proof of payment etc, please let me know and I'll happily draft one

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OK, let me know what proof you intend to use and we'll take it from there. If possible you should try and get the statement and supporting proof to the court a few days before the hearing so the judge can read it before you go in.

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Hi

 

We have sent Acenden a cheque for £4666.32 for fictious arrears charges to clear them as we are sick of been takin to court by them, Acenden claim they have never recieved the cheque even though it was sent recorded post and signed for as recieved On the 8th May, The cheque was cashed on the 10th May and was cashed by them and still they say they have never recieved it thus leaving us still in arrears and had the balls to ask us for a £65 administration chrge cheeky sods

 

That is appalling! Follow Ell-enn's advice re the court action they're taking as obviously that's the priority just now. However I would strongly recommend going through their complaints procedure and then putting a complaint into the Financial Ombudsman's Service to try and recover these charges. It might also be helpful for you in court if they can also see there is a dispute on the account with regard to charges and the true arrears.

 

With regard to my own situation i received a letter from them today asking me to contact them urgently to discuss my arrears. Hell will freeze over before I talk to them on the phone and in any case I have once again cleared my payment arrears and paid a total of £189 to my charges this month. Next month they'll get the same again and so on. I'm just crossing my fingers the FOS rule in my favour and fairly quickly. I grudge every penny I pay over my CMI knowing how badly I have been ripped off.

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Hi,

 

Just to let everyone no today went really well in court we got an absolute discharge by the judge she was discusted at what acenden had done to us.

We are also in the process of going to the fos re all there ficticious charges.

we have had £7700 added to £2000 in missed payments these payments were missed when we had a serious house fire 5 years ago and to date they still say we owe £4666.32 even though we have been paying our cmi plus £78 off the arrears every month it dosent add up but nothing acenden does adds up. we were only taken back to court because of the level of arrears and this is the 13th time since 2005.

At least my husband has calmed down now. :whoo:

I also grudge paying every penny to these idiots as they sit there wondering what else they can do to make every customers life a living nightmare

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Just woke up this morning to find a letter from our chums at Ascenden had arrived. Curiously after five years of refusing to change my mortgage payment date......they have changed my mortgage payment date!

 

I'm relieved that this means I won't be hit with a monthly charge of £65:00 for paying 'late' but still somewhat cheesed off that I have paid charges running into thousands which in part have been down to their refusal to change my payment date. Naturally they've not made any mention of refunding me so I'll just have to wait for the FOS getting back to me on that.

 

On the subject of the FOS can anyone advise how long they normally take t acknowledge receipt of your case? I sent everything off to them about a month a go and to date have not received a response.

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Have you not even received an acknowledgement of your complaint? Did you send it by recorded delivery?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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  • 1 month later...

Fingers crossed for you!

My complaint is very similar to yours.. though I have tried to deal direct with Ascendon rather than the fos route.

So far they have reimbursed only £140 out of the thousands I believe they owe me.

Similar to you situation I had 'paid off' my arrears within a few months of them occuring but due to them adding charges all the time my arrears balance never seemed to reduce leading to a suspended repossession order and ultimately forcing me to sell my home.

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