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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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ok just re read things

 

this account is still open

 

look at the last statement [as recent as you can]

 

find the APR [not the monthly rate]

p'haps listed as purchase rate?

 

put that in cell D15

forget about the old rates.

 

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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you say above DCA is still chasing?

 

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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so in the last XXX years have you any indication that interest has been charged?

 

if not

set the claim to date to the date of the termination of the account by haliprats.

 

does the bal at Termination equal the bal being chased currently

 

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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Share on other sites

so in the last XXX years have you any indication that interest has been charged?

 

if not

set the claim to date to the date of the termination of the account by haliprats.

 

does the bal at Termination equal the bal being chased currently

 

dx

 

No interest since 2008..Yep the balance at Termination is the same has now..account open 2001 ended 2008..PPI 2001 to 2005

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ok

set the claim to date box on the CISHEET to that date.

 

note the total that that gives you

 

take that total and the date of termination...

 

put it into this spreadsheet. using the tem date as the date.

 

StatIntSheet v101.xls

 

that will give you the 8% statutory interest you are entitled to

 

as you've been deprived of that money

from the date of termination [no interest charged from their side]

 

to the date your PPI claim is settled.

 

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... 

Link to post
Share on other sites

As I said my maths is not a strong point..Ive added up all the PPI from 2001 to 2005..the total is £1,401.40,,do I add 8% on to that total..? If so what would it be ? It says Monthly PPI amount ..my amount was different every month ..What do I put there? Sorry to be a pain

 

Thanks DX

Edited by babydoll0141917
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you need to input EVERY payment of PPI

on its date

individually on a new row

 

in the spreadsheet.

 

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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

Thanks DX..Ive wrote them all on paper they are all ready to go on spread sheet..will the 8% be worked out for me ..Or will I have to do it? If I have to do it I will have to give you a shout :)..also when I added account number to Spread sheet ..It changed once I moved down to the next bit ..Is it suppose to do that ?

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we'll do the 8% on another sheet later

 

shouldn't change the account number as that's a text box.

 

you are using excel not open office.

 

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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Share on other sites

find their last int rate they charged your [purchase rate]

 

put that in cell d 15 [white box next to int rate / apr]

 

that should make the sheet calculated the rate on the last col

for all your rows.

 

you should now have three figures in the boxes top right in bold.

 

yes

 

attach the sheet back to me here

 

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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Share on other sites

Thanks So much DX ..the only one I could find was on A 2001 statement at 17.9% so Ive use that ..Its was prob a lot more by 2008 ...Yes I have a calculation on the right hand side :)..do I pm you and attach it to that ? so you can see

 

Also my Account number still changes ..would I be puting the card number down for the account or the PPI account number

Edited by babydoll0141917
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attach it here.go advanced/manage attachment bottom right

 

there must be amore recent apr than the surely?

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... 

Link to post
Share on other sites

Maybe on the T and Cs for 2008 ..there maybe another intrest rate ?

 

On the 2008 T and Cs it does say THE APR FOR THE AGREEMENT IS 23.5% APR (VARIABLE)

 

Shall I change it to that ?

 

Ill send now so you can have a look ..It still has the 17.9% INT on it

Edited by babydoll0141917
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Hi Babydoll,

just been reading your thread as I have a similar situation with the Halifax CCA,

it looks the same as yours with a pasted version of some terms on the back.

 

I did complain to Halifax telling them that I thought it was unenforceable as non compliant.

 

They wrote back saying that what they had supplied was correct etc etc and that they had answered my comlplaint. That was in 2010.

 

They then passed the file onto Connaught, 1st Credit and its now gone to Mackenzie Hall.

 

As I sent them the bemused letter,

they have sent me all the bumf again,

copy statements, copy of the app form, with photo copy back, copy of letters sent to prev dca's.

 

I don't know what to send back as they know the reason it's in dispute!

 

Any advice would be much appreciated.

 

Feeling a bit battered and blue with this one :o( xx

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Hi livis...I just keep telling 1st credit .. the T and Cs are illegible.

.and I don't pay any money to any person or organisation unless they can show they have a legal right to ask for it or collect it...

.. they know why im disputing

 

..I send a letter they send one back asking for my comments

..Letter ping pong :)..

 

.Every time I have a concern they put the account on hold.

 

.Why keep doing that if the APP is enforceable .

.think they think im gonna crumble and start paying .

 

...1st cred also think the Tand Cs are unreadable and unenforceable as I have print outs from the SARS that they have said that

and asked Halifax to buy the debt back .

.but of course Halifax refused

 

Also my DN is invalid ..but 1stcred don't know that :)

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Maybe on the T and Cs for 2008 ..there maybe another intrest rate ?

 

On the 2008 T and Cs it does say THE APR FOR THE AGREEMENT IS 23.5% APR (VARIABLE)

 

Shall I change it to that ?

 

Ill send now so you can have a look ..It still has the 17.9% INT on it

 

yes use that 23.5

 

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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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