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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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Merligen Investments Claimform on shopacheck 'debt' - help*** Settled***


bart70
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Hi

 

I had a small debt with a door step shark(Morses) which after the agent stopped collecting ended up going to a DCA.

 

This morning a letter from Moriarty Law came informing they intend to take court action...

 

After I stopped laughing I did a little digging and have found the following...

The address of this law firm 15 Old Bailey, London EC4M 7EF is a virtual office..

 

. Bit more digging revels that the name of the firms director is also the same as Merligen Investments Ltd.

 

So in other words it's not a real law firm but a in house dept using a Virtual office to look like a real law firm......

 

Now I seen a some bits about this in the papers of late the biggest been Wonga who had to pay customers compo and stop using the pratice...

 

Does this mean that this investment firm have broke the law/ need reporting or what?

 

Never had dealings with this firm or come across them before

so before I make them a final payment offer I just wondered if I have ammo to twist their arms into taking a low offer.

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These "artists" are connected to the Interlaken / Lowell / Fredrickson / B Carter etc etc etc etc etc Cesspit, very familiar companies to the debt community. A quick scan of their interests reveals just about everything except Mongolian Deep Sea Pie Fishing. Tucked away amongst them all lie your Merlingen and Moriarty.

 

http://www.directorsintheuk.co.uk/directors

postcode LS11 9BH

 

Sorry, couldn't post up link in proper html format. Phone in bad mood.

 

bart If you had a doorstep loan you need to do a CCA request. Many of them were not compliant and some lenders had no proper records. It's not my area but others will no doubt advise later.

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also was it a rollover?

 

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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Moriaty Law is registered with the SRA and is the Debt Collection Arm of a full service law firm based in Essex.

Off shoot of US based multinational.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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It wasn't a roll over just a small short term loan that was almost paid.... Were talking under £50!

 

I just never heard of or had dealings with this company before...

 

So hence I did a little digging to find the Boss of the DCA also set up the so called law firm.

 

Knowing they paid 10-20p in the pound for it I'll make them a one off, one time only offer lol

 

Believe it or not this sometimes works..

 

. Had Vanquis card with a balance of £350 and they took my one time only offer of £100 to clear the balance.

 

It just seemed very heavy handed tactics for such a small amount.

 

Been not one to give into these bully boys I like them to work for their money :)

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As posted previously Moriarty Law exists and is SRA registered and regulated.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 2 weeks later...

I would advise you that Moriarty Law is not a law firm to take lightly.

 

My ex-housemate received a letter in July from them on behalf of Merliglen Investments for an old Shopacheck debt of £201.76.

 

Two weeks ago he received a letter from Northampton County Court as they had applied for a CCJ.

 

The balance owed now is £325.12.

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£200 [shopacheck] welcome debt.

 

blimey the PPI alone

as well as the PENALTY charges will wipe it out.

 

shopacheck were doorsteppers I doubt a CCA exists.

 

 

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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We've seen some awkward barstewards in the "debt industry " solicitor fraternity but Moriarty are the leaders imo.

 

Need a Sherlock to deal with them!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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their doorstepper loans always were very high interest.

are you confident the statements are correct?

 

have they produced the pages from the doorsteppers book

when he collected the payments?

 

and ofcourse you have the issue of his hidden commission to use too.

was this his only loan with the doorstepper

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

He had Provident for a while too I think but he paid her off.

 

The guy always came round on a Monday and the dates that Shopacheck sent Merliglen match up to Mondays.

 

And the amounts paid match what the agreement said was to be paid every week.

 

I just thought that one letter from Moriarty Law

(who, even though in Guildford, gave Old Bailey as an address on their letter which was weird)

 

led to a CCJ was quick going.

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Hi

 

I had a small debt with a door step shark(Morses) which after the agent stopped collecting ended up going to a DCA.

 

This morning a letter from Moriarty Law came informing they intend to take court action...

 

After I stopped laughing I did a little digging and have found the following...

The address of this law firm 15 Old Bailey, London EC4M 7EF is a virtual office..

 

. Bit more digging revels that the name of the firms director is also the same as Merligen Investments Ltd.

 

So in other words it's not a real law firm but a in house dept using a Virtual office to look like a real law firm......

 

Now I seen a some bits about this in the papers of late the biggest been Wonga who had to pay customers compo and stop using the pratice...

 

Does this mean that this investment firm have broke the law/ need reporting or what?

 

Never had dealings with this firm or come across them before

so before I make them a final payment offer I just wondered if I have ammo to twist their arms into taking a low offer.

 

Worth while remembering that THEY stopped collecting in the first place

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  • 1 month later...

Update:

 

I wrote to Moriarty Law with a settlement offer and explained my current situation to them.... They have responded with court summons!! These guys are one bunch of sick gits.. One of the reasons I'm behind with some of these minor payments is I'm still paying for my 6yr old daughters funeral... Any spare money I have goes to the undertakers....

 

I offered them £30 for a debt of £59 given that they only pay a max of 20p in the pound this I felt this was a fair offer.

 

I have about a week left before this is rubber stamped by the court and I get my first CCJ.... Is there any other action I can take other than pay it?

Edited by bart70
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moved to legals

 

 

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

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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They have filed for a CCJ for a debt of £59? These people are all kinds of wrong.

 

Its cost them £25 to issue the claim:!:

 

Andy

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If I remember correctly from previous reading, when one of the Joneses - founders of Fredrickson / S R J - moved to this outfit, he stated that he would specialise in low value debts.

True to his word, it seems.

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bart, my sincere condolences for your loss. I do not know for sure but I would expect a judge to take the funeral expenses and the sad loss of your daughter into account if this ever went to court. You must be in bits I know I would be if it was one of my 3 daughters, good luck.

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please action post 20

 

 

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

bart, my sincere condolences for your loss. I do not know for sure but I would expect a judge to take the funeral expenses and the sad loss of your daughter into account if this ever went to court. You must be in bits I know I would be if it was one of my 3 daughters, good luck.

 

 

I think any judge is going to be more than a little put out if not down right angry that this is out before them, a gross and unnecessary abuse of the court process to the level

of being vexatious.

 

 

IMO you could use this as part of the defence especially as you have made a reasonable offer of settlement.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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