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    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • 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. 
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Natwest loan - claiming charges & PPI when on DMP


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Hi! I am in a DMP with Payplan with credit card and bank debts going back some years.

 

I believe it is now possible to claim back unfair excessive charges from credit card companies

but can this still be done when those creditors are in a DMP?

(For one, they may wonder how I can afford a £10 fee for a SAR).

 

One of my DMP creditors is Natwest (bank loan, overdraft and credit card).

Could I try to claim unfair charges for all 3?

 

Also, what's best to do, SAR or CCA?

an I do these without involving Payplan?

 

Sorry for so many questions but I'm just learning about this process

and I find it confusing so any foolproof answers will be greatly appreciated!

 

If I can wipe off some of the old charges that will at least reduce the overall amount I owe.

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Shoooz.Hi,Because you are on a DMP it does not stop you from claiming back unfair charges or PPI,it will reduce your debt .

 

Your point about the £10,this is not a problem you should under your DMP be allowed a small amount of spending money.

 

Yes from Natwest you can claim for all 3.

 

I am reading between the lines am I correct that you do not have all the statements for each debt?If not then a SAR will provide all this info,statements and all data for each account along with agreements/application forms T&Cs as long as you ask for them.

 

Have Payplan arranged 0% interest with your creditors or some of them?

 

Regards FS

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Hi FirstShip, correct I do not have all the statements.

 

Payplan have negotiated frozen interest but whenever I fall behind with payments, the creditors always threaten to charge interest.

 

I'm currently suffering real hardship as I have had to give my job up due to health problems.

 

At the moment I have NO INCOME!

 

I am waiting to hear if I can get any benefits so I have informed Payplan of my situation

and they have even agreed to accept further debts which I stupidly incurred (catalogues, bank and payday loans..

...none of whom are yet freezing charges).

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Shoooz. I very much hope you are able to obtain benefits in your current situation.

 

Payplan seem very much to be on your side which is good.Have they informed your creditors of your Hardship situation?

 

To save money write to your creditors and ask them for statements,from the start of the account to the present day, they may well co-operate without you having to pay any fee.You need these statements to assess the extent of the charges and the existence of PPI.

 

Regards FS

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Thanks for your advice Firstship.

Yes Payplan are very helpful and understanding. They haven't informed my creditors but have told me I can do so if I wish.

Should I still write to my creditors requesting statements by using the same wording as a SAR.

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Ok I will do that thanks.

 

Can I also send a SAR to the catalogue company or is it just credit cards and banks?

 

Is there a template letter on this site or should I just 'use my loaf' and also, is there a template letter for making £1 token monthly payments because if I do receive benefits, I would expect £1 will be the most I can pay each creditor.

 

Also, I send the letters directly to each creditor don't I and not the DCA?

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u can send a SAR to everyone u owe money to. i hvae sent them to catalogues, credit cards and a loan company who put the ex tenants debt in my name:)

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Shoooz Hi..there is a hardship letter,however when you get onto benefits,just send the letter and pay the £1 per month to each creditor,it is important that you pay the money on a regular basis,then if the creditor is stupid enough to take you to court the judge will be displeased with them for wasting his time and award them £1 a month,in most cases the court situation will not arise.

 

As Godmother has stated you can SAR all creditors,as I said earlier just send the SAR request with details of your inability to pay,and do not pay them any SAR fee,most creditors will comply,most there will always be a difficult sod,not to worry see how it works out first,

 

Yes send the SAR to the OC unless the DCA owns the debt

 

regards FS

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Hi FS, should I send the SAR before I offer £1 token payments?

 

I've read in another post on this site that it's a good idea to send a CCA and SAR at the same time.

 

Is it best to sign my requests as "Minnie Mouse" or "Betty Boo" or something ridiculous or just my usual signature with crosses through it?

 

Also, when I offer token payments are my creditors entitled to see my I&E?

 

Thankyou

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Shoooz.send the SAR then fix a date that is OK with you and pay your creditors £1 per month and stick to that payment each month,they will probably leap up and down,however as long as you have made them aware of your hardship they will not get to far,

 

In most cases the info you get from a CCA will be produced in a SAR although the odd difficult sod will with hold the agreement.

 

Signature just sign it put a line through the signature or just print it,again it may produce a letter saying no signature cannot produce the info,we can get round this if it happens

 

It will be good in this case to send an I&E,there is a good download on this site or use the CCCS version

 

regards FS

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Ok FS thanks i will just send the SAR.

 

For the I&E, I can just send a summary can,t I (eg, total income xx total outgoings xx)?

 

As far as the Natwest debts are concerned, can I only SAR for the credit card and loan but not the overdraft?

 

Sorry for so many questions, I just want to get this right from the start....I don't want to trip myself up!

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You do not need to sign the letter a printed name is fine.

Also FS is wrong in where to send the SAR to. U need to send it to the OC to see any charges they have put on it and then another one to the DCA or who ever holds the account currently. Also if it has changed hands several times to those who have previously held it as they may have added charges which can be reclaimed.

 

DCAs or who ever holds the account now are only obligated to give u information from when they took the account to present day they will even tell u they can not provide information in regards to anything later back than that or when it was held buy other people

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Yes u can SAR for the overdraft.

But dont expect to get much back except charges. Also if the Overdraft is linked to a bank account then u may get that info. To be certain put ALL the account numbers on the letter than they will have to send u EVERYTHING they hold on u.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi Godmother, yes the overdraft is linked to a bank account so I will SAR Natwest for overdraft, current account, personal loan and credit card and see what happens.

 

Can you please answer my question above about the I&E......does it have to be detailed or just a summary. I'm still doubtful about sending one with my SARs though as my creditors don't legally have a right to this info do they?

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Shoooz if you want to make your hardship details work you will need to send an I&E to each creditor remembering to also list what you are paying each creditor.You are correct in practice only a court can order that you produce an I&E,but as you are seeking their help i would suggest you try to helpful as well.Send this along with your £1 payment to the customer services,your SAR needs to be addressed to the Data Control dept as a separate letter

 

Godmother is correct in as much that a SAR needs to go to OC as well as the DCA.missed that out,am I correct there is only one DCA involved,with one of the debts ,if so who is it?

 

regards FS

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Oh a lovely bunch of DCAs all have been delt with by me. One of them Reds is still demanding money from the previous tenants of my address despite knowning they dont live here. They even sent a collector to my door and as result they accused me of being bloody old

 

Anyways l would advise you send the letter immediately. In writing advise the people who are asking for money that you are waiting for SAR info from the OCs and until you have that info you cannot properly assess you money and accounts and offer a reasonable amount of payment. you will get back to them when you have the required information from the Ocs.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Can you good people please clarify exactly what can and what cannot be reclaimed from a bank these days as I am so confused?

 

Please confirm if any of the following are eligible for reclaiming:-

 

1. Personal loan PPI

2. Charges for going over current account overdraft limit

3. Overdraft usage charges

4. Charges for declined direct debits (where there were not enough funds in the account to pay a direct debit)

 

If there is anything else I have forgotten which CAN be reclaimed, please confirm.

 

Also, I am aware that credit card charges are still eligible for reclaiming, so if any of the above can be reclaimed and they are through a bank which I also had a credit card with (ie, Natwest), can I send one SAR to the same company even though their contact address is different?

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Can you good people please clarify exactly what can and what cannot be reclaimed from a bank these days as I am so confused?

 

Please confirm if any of the following are eligible for reclaiming:-

 

1. Personal loan PPI - yes

2. Charges for going over current account overdraft limit - poss only under hardship

3. Overdraft usage charges - poss only under hardship

4. Charges for declined direct debits (where there were not enough funds in the account to pay a direct debit) - - poss only under hardship

 

If there is anything else I have forgotten which CAN be reclaimed, please confirm.

 

Also, I am aware that credit card charges are still eligible for reclaiming, so if any of the above can be reclaimed and they are through a bank which I also had a credit card with (ie, Natwest), can I send one SAR to the same company even though their contact address is different?

 

their CC might well be a diff 'wing'

 

try one - suck it and see

 

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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i said nothing about a 'ruling' as such

 

as for the closed accounts, again, 'hardship' is hardship, if anything can be done, it's worth asking.

 

p'haps a quick look around using the advanced search top right might answer a few of your questions.......

 

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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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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