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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.
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halifax CC debt - 1st credit chasing - two Diff CCA's supplied?


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Good morning everyone.

 

I have just received a large envelope from 1st. It contained a large bundle of photocopied statements which, apart from having no OC markings on it appear ok. However, there is no corresponding credit aggreement (signed, recon or not), no terms and conditions and no details with regards to interest rates.

 

There are, inevitably, PPI charges and corresponding interest charges (charges I have not yet reclaimed).

 

Do I send a letter asking for the T & C's and aggreement? Is this a sudfficient reply from the DCA?

 

I do not wish to evade the debt, my main aim is to be armed with enough knowledge so as to have my very small payment accepted and that the DCA does not progress the litigation issue (bankruptcy etc).

 

I would be extemely grateful for any help and guidance.

 

Thanks in advance

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Appologies, a point I forgot to mention.

 

I have checked all three CRA's. The debt does not appear on Equifax or Experian at all. It does show on Noddle however. Does this help my case? It does seem very odd.

 

Thanks again to anyone who can help.

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welocome along gpp

 

can we have the debt history please

 

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 dx, hope you are well.

 

I wont bore you so I will be as salient as poss.

 

Halifax CC debt. Purchased by 1st(31.07.12 as per their letter threatening bankruptcy).

Debt 11k

Last payment on account 25.11.09 as per statement from 1st, no payments since.

 

I have progressive MS and my family and I have had our lives/future changed.

 

Sent letters to Halifax around 7/8.09 explaining situation was not good.

That has been my only contact with the OC.

 

Just been through statements and there is definately no signed agreement/t and C's.

 

I have just drafted a letter to ask for the C/A and sai that the account was still in dispute. Is it worth sending?

 

Thanks in advance again dx.

 

Much appreciated

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Sorry dx, having the memory of a goldfish, I forgot to mention that the account was with Halifax but it was run on behalf of Amazon.

 

No more to come...............at the moment!

 

Thanks again. Your help is very much appreciated.

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Morning everyone.

 

Just wondered if there are any thoughts with regards to my last posts.

 

Have drafted a letter saying I have no CCA. And that they have untill 27.09.12 to supply. I have also stated that the account is still in dispute and any legal action will be viewed as unlawful. Is it the right thing to do?

 

Thanks in advance

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just send the std cca request

 

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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  • 2 months later...

Good afternoon everyone.

 

In need of some guidance.

 

Brief history:

 

Requested CCA details from 1st Credit early September.

After two weeks or so, received poor photo copies of statements, no CCA or other details.

Sent another letter, RD, asking for CCA and other details.

Received letter from 1st saying the documents were being requested.

Received today, letter from 1st saying they have fulfilled their obligations enclosing CCA and other details.

 

Here's the thing.

 

I have actually received TWO Credit Card Agreements.

 

On first flicking through I thought that they were copies of the same thing.

 

The two agreements that were sent have the correct information re the parties to the agreement, however, the Key Financial information differs considerably.

 

The APR on the two agreements are completly different. The interest rates on the table contained on Other Financial Information differ hugely.

 

The wording in the Key financial Info section is also different.

 

Its probably all legit, but my question is..

 

. How can I have two different agreements for the same account?

 

If there was a change, surley there should be dates on the agreement as to when they changed?

 

Any assistance much appreciated.

 

Thanks

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one a recon?

 

one the org?

 

seems poor though

 

tell us a bout the debt

 

does it show on your CRA file?

 

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 Dx

 

Many thanks for the reply.

 

Debt does appear on CRA file as 'Queried'

 

CC debt from HBOS. There is lots of PPI and associated interest. I am currently working on that. debt total 11k.

 

If two CCA's are received which one counts? There are no dates to either of them.

 

The letter received from 1st informs me that a true copy of the agreement is enclosed. Which one is true? Surely only one is correct?

 

Are there issues with this response?

 

I'm probably chasing my tail with this but it all seems odd. Have 1st messed up?

 

Will repay but just checking their response.

 

Thanks again Dx

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threads on same subject merged

 

pleease keep to one thread

regarding all issues with this debt

 

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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can you scan up the two CCAs please

 

can the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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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