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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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    • 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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help absolute nightmare!!


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Hello,

 

I am about to default on several PAYDAY loans tomorrow.

 

I am really scared and dont know what to do.

 

I cancelled all CPA with my bank yesterday

 

but unfortunately 2 have been paid today with 7 to come out tomorrow.

 

Please help,

 

I know my next step is to contact the companies

 

but need advice/help on drafting a letter to them.

 

Really need some useful advice asap,

 

Many thanks

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own thread created

 

can you list your PDL's 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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The 2 that were paid. Were the cpas cancelled for them?

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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Yes, I cancelled them yesterday at my bank and they came out today. I have rung the bank earlier and they said until they show up on my online statement they cant do anything about them. When I queried this with them stating that Wage Day Advance is on my statement, they siad this was a direct debit and so they cannot claim this payment back.When I asked why this didnot show up on my list of DD's they could not answer that either.Hope this makes sense.

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I don't know which bank you are with but it is wrong to say they can't get back direct debits if they are cancelled on the day. I think you should insist on speaking to a manager. You must insist they do not pay tomorrow's as well.

 

Don't be fobbed off by saying they can't cancel a CPA.

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Can you list them one under the other with the amount outstanding for each of them.

 

How much money do you have to pay towards the £6,000?

 

You'll have to offer reduced payments, probably pro rata. One of the other people on CAG had reasonable responses from some of the PDL companies, but others were more difficult. At the end of the day they cannot take what you have not got, but it is vital to stop all the CPAs.

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Get on to the fca. Your bank MUST refund that money by law.

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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Just been into bank they have said all cpas have been cancelled for payments due tomorrow but swift sterling today has showed up as a debit card payment so I have to ring the company and ask them to refund the payment to my bank, they have given me a fax number to give them, wth, have no faith in the bank at all now, I have transferred my remaining wages into another account but unfortunately with the same bank

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Get on to the fca. Halifax are wrong and are well known for doing this.

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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You need to get this sorted out quickly as it has been known for some banks to take CPA payments from another account even when they have been cancelled.

 

I don't think Swift Sterling will give you your money back as they will say you gave them a CPA. If the debit card was used for a CPA and you cancelled it in time then the bank should not have paid it and you should insist it is refunded.

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See post #14. You NEED to contact the FCA and let them know what is going on. They are clamping down HARD on banks right now in regards to CPA's. But if you don't tell them, then they cant do anything to help.

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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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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Make sure you dont take no for an answer. You dont have to go through the lender to cancel the CPA, it can and should be done through your bank. If they refuse, get the FCA involved.

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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Will do, thank you so much for the excellent advice and the link to the consumer action fca page is very informative, I know I've got a very long rocky road ahead of me but bring it on

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Well the proverbial has hit the fan this morning, I have have numerous missed calls, text messages and emails. I am going to start sending emails to them now explaining my financial position and requesting a payment plan. One of the threads I read said try and do all contact via email or letter, do not answer their calls. Would you say this is the right way to do it?

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Yes. Email them, and don't speak on the phone as many of them will try and bully you.

 

You should work out what you can realistically pay each one and put that forward as your proposal. Say it is all you can afford and if they argue tell them their option is to take it or leave it. They will know that there is actually very little they can do. They may make threats about taking you to court, but you can say that if they do that you expect a judge would actually make you pay less per month than you are offering at the moment.

 

Try and work it out pro rata so they all get roughly the same percentage of what is owing and ask them to freeze the interest.

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It's good you have been reading some of the other threads. There is one (sorry, can't remember which one) where the poster managed to get most of them to accept a payment plan with only one or two being difficult. If you can find that one you may get some info on which ones are going to be reasonable.

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