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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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Can they take my car?


Joannefred
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Earlier this year I bought a car. I don't drive so we registered my partner on the V5 as he is the one who is doing the driving.

Recently he received a letter from a debt collector Saying that if my partner doesn't pay such and such (from an old mobile phone contract) they will look into his financial situation to see how else they can recover the monies owed. Now i'm worried sick as the reason I bought the car was so my autistic would have transport to help him get around. Can they just clamp my car or take it away?

Apologies is this is in the wrong bit.

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Absolutely not. A debt collector cannot seize goods - and in fact can rarely do anything more than write threatening letters, so stop worrying on that score.

 

Give us some more details if you can. How old is the alleged debt? When was the last payment made? Has anybody else tried to chase the debt? Have you checked your credit file to see if any details are recorded there?

 

Sounds like this is a very early stage speculative letter. Relax!

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I know a debt collector can't but if they look into his finances they will see he is registered keeper of the car and maybe they would take it to court and send bailiff???

There are actually 2 old debts that he hasn't payed on in 5/6 years. He is unsure of exact dates though which is annoying as I understand there is some sort of 6 year limit. It looks like the debts have recently been sold on to another company. How would he go about checking his credit file?

Thank you any advice if greatly appreciated.

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They cannot do that joanne. There is a pretty big and lengthy legal process to go through, and im pretty sure that bailiffs coming to take your car will never be an option for the judge.

 

Get your credit file checked and find out the last date that the debts were acknowledged in writing or payment was made towards them.

 

Since the debt has been sold recentley to a DCA, it's almost certain that the debt is statute barred or coming up on it, which is why it has been sold.

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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Would it be possible to point me in the direction of where we can access his credit file?

If it is 6 years how do we go about getting these people off our backs?

Also I know you say it is unlikely but if bailiffs do show up how do we prove that I own the car not him?

Thank you both for your help.

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You can use Noddle for a credit check...it is free https://www.noddle.co.uk/

 

You need to find out when the last payment or written acknowledgement of these debts were. If more that 6 years ago then the are stat barred and you just need to let the DCA know this. Check the info first though to make sure your facts are correct.

 

As regards ownership of the car, presumable the purchase invoice is in your name and the payment was from you? That would be enough.

 

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Noddle just uses it as a identity check. Nothing gets taken from your account.

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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No. Thats when the default was placed on your record.

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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Any idea if there is a certain time period before it goes on your record? There is a loan that has a date of default that is 9 months after the last payment was made. There is also 2 (yes 2 more :-x) credit cards which show a similar default date but it but the payment dates don't go back far enough to see when the last payment was made.

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Who are the owners of those debts?

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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2 are Lloyds TSB, 1 is Arrow Global LTD and 1 is Lowell although the Lowell one looks like it has been taken over from a Lloyds one as they have exact same original start date (2004) and balance as one of the TSB ones but only has history from August this year

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Ahh arrow and lowell. The usual suspects. If they have the debt, then it's 99% certain that theres something wrong with 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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All of them have a default date of within 6/8 months of the statute barred limit but only one has history going back far enough to see when the last payment was made and it is well over 6 years ago. Is there anyway of finding out the payment history of the others so as to know when the last payment was made? Also partner is getting demanding letters from a company representing T mobile (appropriately called RED). There is nothing about that at all on his credit history

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Sorry but I have another question. If he is still liable for any of these outstanding debts would I have to pay for them?

I am the only one working and he claims no benefits. We just have a joint tax credit claim. Thanks in advance.

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The only person liable for the debts is the person whose name they are in. If the DCA's start threatening you, come back and let us know. There are a few that act unlawfully and do break a fair amount of rules.

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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