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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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    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Request for assistance with calculations for complicated Lloyds PPI Reclaim ** SUCCESS **


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Thanks

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hey great news

 

well done

 

publish that numbner by the way!!

 

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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Thanks guys! :) Ah yes - the phone numbers. They are:

 

Claims Line:

0845 601 2683

option 3

I didn't use this number in the end - I did the claim itself via the post but someone might find it useful.

 

 

Information Line:

0800 092 2290

Option 3

This is the one to use. As I mentioned before, they're a really helpful, friendly bunch of people. It's a freephone number and I only every spent around 3 minutes maximum on hold before getting through to a human. They were happy to answer all of my questions and to provide detailed breakdown of figures which were surprising in their complexity and frankness:

 

- The amount of money I borrowed

- When and where I took out the loan

- How many months I borrowed the money for

- The interest rate applied to the loan

- The amount of interest that the loan amount attracted

- The cost of the PPI

- The interest applied to the PPI

- The dates on which each of my DD payments were made

- The total cost of the DD payment each month

- The amount of the DD each month that was to pay off the loan and how much was to pay off the PPI

- How many DD payments were made before the loan was closed

- What the settlement figure was at the point I paid off the loan

- What proportion of the settlement figure was for PPI

 

They then sent me all of the above in paper format with a full statement showing each DD and how that ate away at the loan capital, etc.

 

The only slightly confusing thing is that initially I thought I only had ONE loan. On calling the helpline they identified that I had had FOUR of them. But the settlement was for 5 loans so I'm not sure why the helpline guys and gals were unable to uncover that one but the claims folks were. Not that I mind, of course!

I'm happy to post my covering letter too if it helps anyone? I was never sure (even now) how much bearing on their decision my covering letter had.

 

To recap, my situation was that I'd bought PPI knowingly but just hadn't really fathomed how much it would end up costing me (despite signing paperwork that seems to make it clear). When I answered the FOS questionnaire's 'why do you now think the PPI was missold?' question, my answer felt like a very weak reason to me and I fully expected them to say "you didn't read the paperwork correctly to realise how much you'd pay for it in the end? How is that our fault?!" But they didn't.

 

Thanks!

Andy

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  • 9 months later...

Hi all!

 

Sorry to bring up an old thread but this is quite similar to mine.

 

Where there had been a rebate, on the spreadsheet you list the monthly payments and it works out the simple interest.

 

The last entry being the ppi % amount from the settlement figure, so where there has been a rebate do I then deduct the rebate from the settlement figure, so add a less amount on the spreadsheet?

 

Cheers

 

E!

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Hi all!

 

Sorry to bring up an old thread but this is quite similar to mine.

 

Where there had been a rebate, on the spreadsheet you list the monthly payments and it works out the simple interest.

 

The last entry being the ppi % amount from the settlement figure, so where there has been a rebate do I then deduct the rebate from the settlement figure, so add a less amount on the spreadsheet?

 

Cheers

 

E!

 

Work out what the proportion of the settlement figure is PPI prior to the rebate being applied. The deduct the rebate from that PPI proportion and enter the resultant figure in the spreadsheet.

.

 

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don't forget to blank the resultant minus figure in the int col

 

I usually enter the PPI % of any rebate as a minus figure and blank the 8% column

 

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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Cheers dx ill look when I get home.

 

It was a bit deflating to be honest finding some bits had been refunded, although I guess if it shouldnt have been sold and paid for in the first place its still worth claiming back!

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  • 6 months later...

Goodness, that was some maths!

 

So the bank worked out the refund for the loan that you didn't know about

- would they have worked out the refund for the rest of your loans?

 

This would have saved some manpower this end, and quite some internet paper!

 

Also, did you double check the sum they gave you for the forgotten loan?

 

Should we all do this level of calculating?

 

Is it because the banks will dodge what they can?

 

A lot of people have received more than they were expecting, which kind of makes all this calculating redundant!

 

I've been browsing for a couple of hours, and I am beside myself with joy

- I've had mortgages on 4 properties since the 90s, I may be able to retire!

 

One final question,

do I tackle car insurance and home insurance?

 

Many thanks, and watch this space,

 

Nick

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better to start a new thread

 

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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