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    • 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
    • Hi  no nothing yet. Hope it stays that way 😬
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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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lowell/overdale claimform - old Shop Direct CAT debt - Now Wiped out by my Court Charges Reclaim **WON**


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Here is my list of fee's,

 

I'm not sure what to put in the APR Box, can anyone help? I think It's the 2.4% I found in the statement but I'm not sure.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Is there any interest I should be adding to the spreadsheet above?

 

Also I've made my covering letter, it says:

 

Shop Direct Limited

1st Floor Skyways House

Speke Road

Speke

Liverpool

L70 1AB

 

Date:05/01/2015

 

Dear Sir/Madam

 

Account number: 00000000

 

I am writing to reclaim all charges on my account(s) since the 14/08/2011.

I am unhappy that these charges have been applied to my account and in this letter

I am registering my complaint and I request that you immediately stop applying further charges to my account.

 

I need you to consider my case as a matter of urgency as I believe due to the charges to my account

I’m suffering serious financial hardship and becoming unfairly indebted.

 

 

In particular, my ability to pay rent, mobile phone contract, food, clothes and basic essentials.

 

 

Also with the loss of my job my monthly income has been significantly lowed,

so I now solely rely on Universal Credit for my income.

 

 

I will attach evidence to show my monthly income and outgoings.

 

I therefore request that you repay all my charges since 14/08/2010 which total £375.

 

Under the FCA guidelines, Shop Direct Limited has 8 weeks to resolve my complaint.

I trust that you will deal with my case within this period. If not,

I will refer the matter to the Financial Ombudsman Service.

 

I look forward to receiving a full response to this letter within 14 days

 

Yours Sincerely

 

Signed

 

Name Printed

 

Is the covering letter ok? or if there's interest found, should I say that in the covering letter to?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Here is my list of fee's,

 

I'm not sure what to put in the APR Box, can anyone help? I think It's the 2.4% I found in the statement but I'm not sure.

 

Thanks

Andrew

 

 

http://www.stoozing.com/calculator/apr-rate-converter.php

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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Thanks dx100uk,

 

If that's the interest, which one should I use? when looking at the statement some were 1.000 or 2.243 so do I use the highest one or the one I see the most?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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highest one you can find !!

 

 

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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Okay will do and I'll get it uploaded just to make sure it's all good.

 

Is the letter above ok for the claim? would I just need the letter, a copy of imcome/outgoings and the spreadsheet or should I put something about the interest in the cover letter?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Right okay, I've been through the statements and the highest one I found was on "statement 43" and it was "2.780" so I put that into the interest bit on the site you gave me.

 

It says:

 

Annual rate (when compounded) = 38.96

 

So I put that in the spreadsheet and it says:

 

Total cost of charges: £375

 

Compound Interest: £378.61

 

I'll upload it just to make sure it's right.

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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change the description to 'Late or Over limit PENALTY FEE'

 

drop the £3.00 4/12/12

 

is the account still active today?

 

enter the total in your covering letter too.

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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Okay I've dropped the £3.00 charge and charged the charge name. I'll upload again just to be sure.

 

The account is still active I think, I'm still getting statements but my last token payment was sent to them in November from my ex DMC. They haven't asked me to set up a new arrangement yet or added anymore charges.

 

Also he is my updated covering letter

 

Date:05/01/2015

 

Dear Sir/Madam

 

Account number: 00000000

 

I am writing to reclaim all charges on my account(s) since the 14/08/2011. I am unhappy that these charges have been applied to my account and in this letter I am registering my complaint and I request that you immediately stop applying further charges to my account.

 

I need you to consider my case as a matter of urgency as I believe due to the charges to my account I’m suffering serious financial hardship and becoming unfairly indebted. In particular, my ability to pay rent, mobile phone contract, food, clothes and basic essentials. Also with the loss of my job my monthly income has been significantly lowed, so I now solely rely on Universal Credit for my income. I will attach evidence to show my monthly income and outgoings.

 

I therefore request that you repay all my charges since 14/08/2010 and compound interest which total £747.65.

 

Under the FCA guidelines, Shop Direct Limited has 8 weeks to resolve my complaint. I trust that you will deal with my case within this period. If not, I will refer the matter to the Financial Ombudsman Service.

 

I look forward to receiving a full response to this letter within 14 days

 

Yours Sincerely

 

Is that all I need or do I need to send proof of income with the covering letter, spread sheet and budget?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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I was also wondering should I put in the letter that I want all the defaults removed from my credit file? I know its a long shot, but it's a no shot if I don't ask.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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I found extra fee's when double checking my SAR, I've updated the spread sheet and it now says i'm looking at £888.21 so glad I looked into the interest.

 

I'll upload a copy just to be sure I've not done something wrong.

 

Will I only need, the covering letter, budget sheet and spread sheet to claim or do I need to send proof of income (benefits) if I'm claiming under financial hardship?

 

Thanks

Andrew

 

[ATTACH]55217[/ATTACH]

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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don't think it will make any diff what you send

SD always buff people off

 

 

try and see

 

 

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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Okay I'm fully expecting to take this to small claims court. After reading on how everyone else has been doing, it looks like the only way to get the money.

 

I'll be sending my letter today 1st class recorded, I'll include:

 

Covering letter

Budget

Proof of Income

Spread sheet

 

Let the games begin.

 

Thank you for your time everyone

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Theylll drag it to the last possible second or not reply at all. it's standard practice for companies like these.

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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I'm not sure whats happened here,

 

I've looked on royal mail website and it says:

 

Status: We have your item

Item 000000000000 was posted at 0000000000000 on 05/01/15 and is being progressed through our network for delivery.

 

Last update: 05 January 2015, 02:56pm

 

Its been 5 days now, does anyone think it's been lost or has Littlewoods managed to get the letter without signing for it? because I've had that done before with other company's.

 

Would like some advice please.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Thanks for your reply,

 

So how do you think they have manage to get the letter without signing for it? I thought the hole point was they have to sign for it.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Over the years any many recorded delivery letters sent to DCAs etc found they seem to always refer to letter they received, the slip from post office shows the actual letter was sent by date/time Recorded , I also found in cases as yours a signature on their site can appear 10 days later>

:mad2::-x:jaw::sad:
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you only need free proof of posting. from the Po counter

 

 

that's all even courts would ask for.

 

 

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

doesn't even HAVE to be first class.

 

all the act states lets say from their part [the CCA]

 

is that they have to 'record' xxx letter was sent

 

they do that on the account log.

 

so your way you simply need 'a' proof you sent it

 

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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