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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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Egg Card now owned by Barclaycard


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Ticking the box is one thing,not receiving the proper advice and then being mis-sold PPI is another IMO.

 

One of my cards said 'Tick The box if you do not want protection' and others say 'Tick if you do'.

 

mmmmm. will post the 'agreement' up tomorrow. I cannot see anywhere where it is mentioned on there that i've signed up for it. And I think i'd like to see that App form. They haven't produced it within the SAR which is strange as i've got everything inc text messages.

 

M

 

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If memory serves [as I can't immediately access my old PPI claims with egg] they just act as agents/brokers for the insurers so a SAR to the Insurance company might turn up some relevant information?

 

If they act as agents/brokers then there should be some reference to passing on your details to the insurance company.

 

If there is no reference to that then how can they prove that your premiums were used to fund that policy?

 

As PPI is subject to Insurance Premium Tax,should we all be given the details of the tax payment on a monthly basis for credit card accounts or as a one off payment when the cash is advanced for a one off payment when it is a loan.

 

Were any T & C's relating to the PPI sent with the SAR or the CCA request as they form part of the ongoing agreement [AKA the alleged agreement]

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The PPI insurer would have been The Prudential;

later, St Andrews Group.

 

Many early Egg agreements do not show tthe PPI, even though it was applied for!:

 

Wapedia - Wiki: Egg Banking

 

You are correct (special prize ordered for AC :D).

 

I have my agreement in my SAR bundle but no sign of PPI.

 

According to Egg (I made an enquiry pre-Cag) I applied for it online.

 

Need a good calculator now to start working this out. The interest start at just under 1% and rose over the life of the card - about 8 years!!!

 

M

 

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I believe that the interest is claimed at the current cash rate that they charge you on your current statement--makes the total quite attractive!

 

That could be quite heavy on an 8 yr old card (the 1% above is per month btw). any good calculators?

 

M

 

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Late payment £16!!!!!!!!!!!

 

Interest should be on first page of statement?Either APR or monthly charge.

 

 

Compound interest calculator

 

3% per month is 36.48% APR--I think!! But get others to check as my maths has always been iffy!

 

They don't like you!

I don't think they do lol.

 

The only interest mentioned on the front page is the 1.538% for merchandise,

 

M

 

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A £5 charge from 15th Dec.2001 would have accrued interest of £87.41 by 15th Dec.2009....that'll do nicely!

 

Wow, that's why i need a good calculator (hopefully with an operators manual :D)

 

This is my first dip into PPI so a little unclear of where i'm going.

 

M

 

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Hiya MandM,

 

Thanks for the PM and Advice you have given me,

 

Yes I am more than willing to help you with this lets give the bank some more bashing ;)

 

Now did you you know that egg have been fined by the FSA for PPI mis-selling.

 

This will help you.

 

I gather it is the calculations and first letter you need help with ?

 

it is getting late now and will take me a bit of time to sort you out so to that end you are on my radar and i will be back tomorrow evening to get this sorted is that ok with you ?

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hiya MandM,

 

Thanks for the PM and Advice you have given me,

 

Yes I am more than willing to help you with this lets give the bank some more bashing ;)

 

Now did you you know that egg have been fined by the FSA for PPI mis-selling.

 

This will help you.

 

I gather it is the calculations and first letter you need help with ?

 

it is getting late now and will take me a bit of time to sort you out so to that end you are on my radar and i will be back tomorrow evening to get this sorted is that ok with you ?

 

Regards

 

PF

 

ty PF,

 

Nice to see you're fighting fit :D,

 

(and hope the dog has got his bite back too)

 

Sleep well,

 

M

 

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MandM,

 

Thank You yes she is doing well I have to take her back to the orthopaedic vet in devizes again tomorrow (think ill use the back roads lol) for her bone fuse operation.

 

She will be there overnight so back again Thursday to collect her.

 

Right Im off as my dog needs loving attention.

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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MandM,

 

Thank You yes she is doing well I have to take her back to the orthopaedic vet in devizes again tomorrow (think ill use the back roads lol) for her bone fuse operation.

 

She will be there overnight so back again Thursday to collect her.

 

Right Im off as my dog needs loving attention.

 

Regards

 

PF

 

We have 2, also both girls. Your pic in your signature made us laugh. The dogs sleep downstairs and every night my wife 'tucks them in' on her way up to bed. So the pic is a familiar sight.

 

We are a strange lot really :D

 

gn

 

MandM

 

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ar right hehe like me she is a pompey fan loves a ball hence her pompey flag but yes dogs i love them a true extention to the human race PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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You are correct (special prize ordered for AC :D).

 

I have my agreement in my SAR bundle but no sign of PPI.

 

According to Egg (I made an enquiry pre-Cag) I applied for it online.

 

M

 

If you applied for the PPI online and at the same time as making the application for credit.

Why isn't there any mention of this PPI on the credit agreement?

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If you applied for the PPI online and at the same time as making the application for credit.

Why isn't there any mention of this PPI on the credit agreement?

 

Exactly, i'd expect to see it there somewhere. The plot thickens :)

 

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No plot, more like Egg cocked up!

 

He he. I'll get some more of their paperwork posted up. PF is going to point me in the right direction on PPI (not really got into this yet - have been concentrating on getting them all under control and also fighting Egg off on another front) but certainly looks promising at this stage.

 

M

Edited by MandM
typo, fat fingers

 

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First of all, I wouldnt necessarily assume that DLC have bought the debt - they might have. I had DLC on my case early on with Egg, and eventually - faced with the "Approved limit" observation about their agreements, they went away to be replaced by ARC. Of course they might have bought it, but i would inquire further to find out if they have or if they are only acting as agents.

Given the age of the card, I would either CCA them or (maybe better) do an SAR. The latter is more expensive (£10 compared to £1), but they have to produce the agreement and not just a "true copy" which can basically just be an assemblage, concealing that they dont have one (RBS tried that one with me when I CCAd them, but when I did a Subject Access Request I got a letter back admitting that they dont even have the original application form, never mind anything else). So unless the £10 is going to be a problem, that is what I would do.

As I say, given the age, I would expect it to have the kind of problems that my "agreement" with them has - "Egg Credit card for ...." not credit card agreement; possibly no right to cancel; but most of all "approved limit" with no reference to "credit limit" and thus omitting a terms prescribed by the CCA. You could do worse than have a look at this http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html#post2024413

 

100% agreed! I did a full SARS on my Egg card in May this year. The card agreement was dated 2001, so it would be an "approved limit, incomplete T+Cs, etc, sort of CCA i.e. unenforceable".

 

When I say "would be", I am referring to the fact that they have never sent a copy of the CCA.

 

I received various letters from a lady at Egg, let's call her Charlotte Chapell to protect her identity, claiming to have the matter in hand. As far as I'm concerned, it would be the right hand of she were a man!

 

The agreement copy has never been sent because she knows that it is unenforceable.

 

Rather than coming clean and saying, "OK, we (insert word of your choice) up, what did she do? Also taking into account that she knows that I live and work abroad and am outside the county court system in the UK.

 

Well, the clever little madam decides to get get various DCAs to write to me. the last one sent me an email entitled "international email". Was that meant to intimidate or frighten me?

 

Charlotte, lovey, all emails are international. Hahahahaa.

 

By the way, a disputed CCA, which includes the OC not sending one (as in this case), cannot by law, be passed to a third party.

 

Unfortunately, she has tried this dirty trick 3 times now and it is all in writing! thanks, "Charlotte". Let's see if you qualify for a Christmas bonus.

 

What this goes to illustrate is this. egg credit card and loan agreements, certainly going back to 2001 for a few years, were incorrectly written in large quantities. that is their "f**k up", not anyone else's.

 

So they should apologise and write off those debts, and not break the law by illegally involving third party DCAs.

 

I quote: "Lenders must not mislead borrowers that their debts are enforceable, when in fact they are not, the Office of Fair Trading (OFT) says."

 

Take a look here: Lenders warned not to mislead customers over debts - Legal seagulls

 

So, bye bye Egg and bye bye "Charlotte".

 

The consumer is fighting back.

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Hi ali,

 

Maybe i've been lucky but I have been sent a copy of my agreement in response to my SAR. What they didn't give was a copy of the application (makes a change lol).

 

Good luck with yours though (if I ever get to speak to Charlotte i'll send her your regards :D)

 

M

 

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Hi ali,

 

Maybe i've been lucky but I have been sent a copy of my agreement in response to my SAR. What they didn't give was a copy of the application (makes a change lol).

 

Good luck with yours though (if I ever get to speak to Charlotte i'll send her your regards :D)

 

M

 

Thanks! I prefer not to receive the CCA as the account remains in dispute.

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