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    • I will try again...................... Even at my age there is quite clearly a PCN envelope by the windscreen wipers on your car on some of the photos.  But as I said in the IPC letter, that is not the dispute. The dispute is that CPM sent you the second PCN on the 28 th day of the issue date of the first PCN. It should not have been sent until the day AFTER the original PCN was issued. Therefore they broke the Act, they breached the IPC Code of Conduct and their agreement with the DVLA. It is something that the IPC cannot ignore since to do so will bring the ICO down on them and the DVLA should ban CPM from getting data from them once they know if the ICO do nothing. The minimum I expect is that your PCN will be cancelled. But it is up to you. I have given you the details, you have copies of both PCNs sent to you on the sar  with all  the relevant dates. 
    • Apply for an HM Armed Forces Veteran Card   An HM Armed Forces Veteran Card is a way to prove that you served in the UK armed forces. The card can make it quicker and easier to apply for support as a veteran. It’s free to apply. You can currently only apply for a Veteran Card if you have a UK address. Veterans who do not have a UK address will be able to apply later this year. READ MORE HERE: Apply for an HM Armed Forces Veteran Card - GOV.UK WWW.GOV.UK Apply for an armed forces veteran card to prove that you served in the UK armed forces.
    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (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; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
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TimsGirlfriend V's Halifax


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Actually they haven't offered the full amount, the full amount is £494.00 not £450.00. I know its only a £44 difference but they said thats all my claim was worth. My bank statements definately show £494.00, I have just spent ages re-checking them all.

S.A.R - (Subject Access Request) sent 2/11/06

Statements Received 02/12/06

Prelim sent 25/01/2007

LBA sent 09/02/2007

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I take it you sent the Letter Before Action? In it you state 14 days for them to pay you, if they do not pay you then you file in court, or by MCOL. Stick to your time scale, this is your claim not theirs.

S.A.R - (Subject Access Request) sent 2/11/06

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Prelim sent 25/01/2007

LBA sent 09/02/2007

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I have been reading through a few of the threads and now find myself in the position that I am freaking out a bit! What generally happens after the N1 has been filed? I know the bank have to acknowledge and generally they say they will defend and then don't and pay back the money, but what happens if they don't? I don't need this stress, I'm trying to sort this, and a wedding and a financial settlement from my ex that he has defaulted on! Can someone explain and put this worried mind at rest before I need botox to get rid of stress lines!!!!!!!!!!!

S.A.R - (Subject Access Request) sent 2/11/06

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Prelim sent 25/01/2007

LBA sent 09/02/2007

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Calm down hun:) there is nothing to worry about, you will win. I hope you stick around after Halifax pay up - because you will look back and laugh at how thier silly games were just that.

 

My Halifax didn't make it as far as court, but of the ones that have, there are no losses whatsoever!

 

Do me a favour, take the stress off and put it on our shoulders. You have constant support here. Any probs you'll get all the answers you need.

 

I think you have made all the right decisions and you will, very shortly, be reunited with your dosh.

 

File your N1 and this will soon be over!

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So assuming the judgement is filed in your favour then what happens next? Sorry to ask I'm just trying to get this clear so I know what to expect.

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Prelim sent 25/01/2007

LBA sent 09/02/2007

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So assuming the judgement is filed in your favour then what happens next? Sorry to ask I'm just trying to get this clear so I know what to expect.

 

Judgement only happens if Halifax don't acknowledge your claim - I doubt it will get to that. When you file your N1 the Halifax will have 5 days for it to have it served to them, 14 to acknowledge the claim and a further 14 days to defend.You need do nothing during this time and I reckon they will pay before you reach the end of that process.

 

Nothing is set in stone, but I reckon that will be the way of it.

 

If not, for some strange reason, we'll guide you;)

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Thanks guys, :D I'm trying not to stress, trust me, but it's easy to get worked up when you read about writs, warrants and bailiffs. I have every intention of sticking around and I daresay it will seem quite funny, eventally.

I really wasn't sure what to do today, specially after the bank offer but now I definately am going to file on Monday. Sometimes you just need someone to say yes go for it!

Thanks loads,

Maria x

S.A.R - (Subject Access Request) sent 2/11/06

Statements Received 02/12/06

Prelim sent 25/01/2007

LBA sent 09/02/2007

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I've been there! If it was for the support I might have given up! I now know better, the more you read, the more you'll realise its the banks on the ropes (of course they try every trick in the book to frighten you off... HA!)

 

Tactics of course... pathetic. :lol: :lol: :lol:

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I have just had this nice chappie on the phone offering to help me re-coup any lost bank charges over the last 6 years, for a fee of course!!

I told him I had filed my N1 on Monday lol.

Oh and something totally unrelated.............

I GOT TAKE THAT TICKETS!!!!! WOOOHOO :D

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I have just had this nice chappie on the phone offering to help me re-coup any lost bank charges over the last 6 years, for a fee of course!!

 

I told him I had filed my N1 on Monday lol.

 

Oh and something totally unrelated.............

 

I GOT TAKE THAT TICKETS!!!!! WOOOHOO :D

 

 

Did you queue up from Wednesday morning?!!:D

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No I got lucky and managed to get them from Ticketmaster when they released the second lot of dates. So not only did I get tickets but I got good seats near the front!

I can see a Tom Jones scenario in their with the knicker throwing, poor Mark Owen!!!

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I got my court paperwork on Saturday, it was served on the 28th Feb and they have until the 16th March to reply. If they don't acknowledge within the 14 days I take it I can then file for default judgement? Do the court let you know if they have filed a defence or do I have to chase it up myself? Does the 14 days still include weekends? I think thats all the questions I have for now lol :D

Maria

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Statements Received 02/12/06

Prelim sent 25/01/2007

LBA sent 09/02/2007

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The 14 days does include weekends, everything to do with this process is calendar days. The court will send you an acknowledgement but give it a few days past the deadline for post (they will let you know about defence too).

 

If you should find yourself in the situation where you can file for default, look into further on here, its not always as simple as it seems and can be a pain in the grass dealing with the courts and baliffs!

 

I don't think you'll have this problem with Halifax:)

 

Good luck with the knicker lobbing!

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I am asking for your help again!

I filed my N1 and the Halifax has until the 16th March to reply. I know I need to enter a judgement for default if they do not reply by the 19th March at the latest but how do I find out if they have replied? What are the implications of doing this? Could I write to the Halifax and state that I have issued my court proceedings which they have not yet acknowledged and ask if they are intending to defend my case?

I have been trying to find threads for other people who have been at the same stage I am but most of the threads seem to be from new people starting out.

S.A.R - (Subject Access Request) sent 2/11/06

Statements Received 02/12/06

Prelim sent 25/01/2007

LBA sent 09/02/2007

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No, just sit back and wait for the Court to write to you - they will keep you fully up to speed, if you have not heard anything by say the 19th you can phone the Court and inquire.

 

Don't bother writing to Halifax, waste of a stamp LOL!! they know your suing them and I'm sure they will shortly submit acknowledgement.

 

My guess is this will be over before 4 weeks from now, the Halifax do cave in easy IMO.

 

Chillax hun:D

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Well haven't heard anything from either Halifax or the court. They have until tomorrow to let them know if they intend to put in a defence. I'll probably ring the court on Monday and then file in my judgement for default if they have no acknowledgement.

S.A.R - (Subject Access Request) sent 2/11/06

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LBA sent 09/02/2007

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Still nothing from the court today so I'll call them on Monday and if they have nothing then I'll have to file for the judgement by default. The thing is I'm not really sure of the process after I have done that as the Halifax now seem to be settling before it gets to the N1 stage so if anyone has gotten as far as judgements and beyond can give me some idea of what to expect then that would be great.

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Prelim sent 25/01/2007

LBA sent 09/02/2007

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I had to file for judgement.

 

I had to wait almost 2 weeks, but the money just turned up in my account.

Filing judgement is a good thing. They have to pay then.

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Thanks Seaside, I'm just getting worried about stuff that hasn't happened yet as normal. I have the judgement form so I'll fill it in and hand it back into the court on Monday. It seems from the threads I have read that the Halifax are quick to acknowledge Mccol and not so swift on the mark on the N1's. There shouldn't be a problem as I'm not claiming for anything over the 6 year mark and I'm only claiming judicial and not contractual interest.

Hopefully this will all be over soon and I can concentrate on getting the wedding organised. Shame they don't have a wedding stress thread on here lol!

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Prelim sent 25/01/2007

LBA sent 09/02/2007

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