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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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ppi claim...Freedom finance/bespoke(karakus)/gemoney!!


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Hi newbie here,

Hope somebody can help with my plight,

 

In November 2005 we took out a loan through freedom finance for 15k, for debt consolodation,

 

Everything been running fine,

 

September 2011 an official looking letter arrived out of the blue from the FSCS,

( well a company acting on their behalf Deloitte LLp)

 

The letter went on to say we believe you took out ppi with wilmslow financial services plc formely freedom finance.

 

The more I read the letter the more I convinced myself that it had been sent to us in error,

as we knew nothing of ever having PPI on the loan, the letter was put in the drawer and dismissed.

 

in November we had a financial advisor visit us to see about getting cheaper morgage deal,

out of curiosty I showed the man this letter, and he was kind enough to shed light on the situation and also helped me fill in the paperwork,

and we then sent it off,

 

after a number of months of repeatedly sending forms and phonecalls we had a letter from Deloittes ( acting on behalf of FSCS)

explaining that their investigations had shown that bespoke finance had arranged the ppi and as they are in gibralter it was therefore out of there jurastiction,

they'd done all they could do.

 

In April I decided to try again on my own, downloaded forms from internet, filled in but this time sent them to ge money ,

 

Backtracking a little here during the deloitte saga we rang ge money and asked them if we had had ppi on the loan and they said no,

but when they sent copies of the credit agreement out

 

it is written on there in black and white!!! Confusing!!

 

So back to the current, I sent forms off to GE money they replied saying there final answer was Yes they borrowed the extra money for the ppi

but they had nothing to do with the ppi it was arranged through bespoke,

and then gave me a booklet for the ombudsmen to whom I have just come off the fone to,

 

he said I need to find out who the underwriter was, advised ringing freedom!!!

 

all phone numbers no longer recognised..

 

.So now what can i do???

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who did you pay your money too?

 

they are your target

 

there are several threads running about ppi wth this group of cohorts

 

one of which is:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?320594-Ge-money-freedom-bespoke&p=3569689&highlight=freedom+finance+ppi#post3569689

 

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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Hi, Just rang Ge money, as they are the firm that loaned us the money, and even thought prior to this when weve asked them if we had ppi they said No, they suddenly have info abt whom the underwriters were, Cigna international, adressed to scotland

Id never heard of Bespoke till recently and Cigna is defo a new one on me, have all original loan docs, not one document with either of those names on!!!

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sorry but you really need to stay off the phone.

 

writing only for a papertrail

 

GE will do anything to put you off the scent.

 

your claim is SQUARELY with them under section 56 of the CCA Act.

 

56.

— (1) In this Act “antecedent negotiations ” means any negotiations with the debtor or hirer—

(a) conducted by the creditor or owner in relation to the making of any regulated agreement, or

(b) conducted by a credit-broker in relation to goods sold or proposed to be sold by the credit-broker to the creditor before forming the subject-matter of a debtor-creditor-supplier agreement within section 12(a), or

© conducted by the supplier in relation to a transaction financed or proposed to be financed by a debtor-creditor-supplier agreement and “negotiator ” means the person by whom negotiations are so conducted with the debtor or hirer.

 

 

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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still a rouse to put you off.

 

ignore the excuses

 

use sec 56 and go get 'em!

 

do the FOS CQ + SOC & a covering letter.

 

leave the no room to wriggle

 

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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type any of the names you mention

into our search top right

and read some thread related to them and PPI reclaims.

 

the more you read the stronger we become.

 

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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  • 4 weeks later...

interestingly i had forms sent to me recently from the FSCS.

 

They are in connection with WILMSLOW FINANCIAL SERVICES - FREEDOM FINANCIAL

 

 

Trouble is ................. i have no idea who the loan was with, as lots of paperwork got lost during my marriage break up and house re possession

 

what can i do?? obvoiusly the FSCS know but they wont tell me !

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probaly one of yours

 

go get 'em!

 

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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  • 11 months later...
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