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    • So I just found a couple abandoned traffic cones locally by some bins.   A bit squished but free!  So have placed them on the land.  Will wait to see if the cones get moved and signs ignored again this week before I consider rocks/ boulders.
    • 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 the 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. So if you subtract the time you took to drive from the entrance. look for a parking place and park in it perhaps having to manoeuvre a couple of times to fit within the lines and then unload the children followed by reloading the children getting seat belts on etc before 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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MPPI questionnaires capital central mortgage


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I have just started the process of claiming PPI from capital central for a mortgage taken out in 2007.

 

 

I am optimistic as the PPI cost was a up front payment which I wasn't informed of,

also I am registered disabled, which I told the sales associate but he still put my name,

as well as my partners on the agreement.

 

Having received the company's PPI claim questionnaire,

one of the questions is:

Given that the sale was several years ago;

what actually prompted you to complain now?

 

 

Was there a specific event that made you aware you might have cause for company.

 

 

Is there any reason you didn't complain sooner?

 

 

In my mind, I believe this has no relevance to wether or not the PPI was missold

and I am thinking of answering with, this is not relevant to my claim..any thoughts ?

 

I guess I'm worried that they are trying to find a loophole as this is for a large PPI claim.

 

We borrowed a total of £63,622.50 this was £50,000.00 loan and £12,622.00 PPI.

Thank you in advance.

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stuff their Questionnaire

use the FOS one...

 

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

 

that way there are no loaded questions.

 

 

have you all the statements?

 

 

if so i'd be doing a spreadsheet too.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

 

statint sheet

 

 

as for working things out

 

 

follow this guide.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?318646-PPI-Single-Premium-Your-questions-answered(1-Viewing)-nbsp

  • Confused 1

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 for the reply.

I have a few statements but not all.

 

 

I am following your advise where I can with the fos claim questionnaire.

 

 

I understand after reading through some of the forum how to calculate the interest on each payment of PPI,

 

 

I'm thinking of going through monthly bank statements to get a roughly accurate redress amount.

 

Thanks again for your help.

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might be better to sar capital central or whomever holds the data first.

 

 

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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Ok, dx, took your advice and wrote to, both capital central and loan holders requesting SAR. Posted it today, so am I right in thinking they have 40 days to send it?

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sure 40 cal days

 

 

lets see what you get.

 

 

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

  • 1 month later...

Both NEMO and central capital have sent the paper work I asked for in the SAR I sent.

 

After reading through this I still believe I have a case so I pursued this with central capital.

 

I received a letter last week stating that the claim is time barred.

 

I guess my question is

, how can this be,

loan taken out in 2007,

PPI was for five years cover so it ended in 2012.

 

The six year time bar would take this to 2018.

 

My next recourse is now with the ombudsman as central capital have said that this letter is their final correspondence on this.

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They can't pull the time Barr chain unless they wrote to you in the last 3yrs telling you there,was PPI to reclaim

 

Just be aware,your theory is wrong

The PPI would have expired on the date the mortgage was settled anyway

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 can't pull the time Barr chain unless they wrote to you in the last 3yrs telling you there,was PPI to reclaim

 

You're wrong here. We've already discussed this.

 

 

I guess my question is

, how can this be,

loan taken out in 2007,

PPI was for five years cover so it ended in 2012.

 

The six year time bar would take this to 2018.

 

My next recourse is now with the ombudsman as central capital have said that this letter is their final correspondence on this.

 

The time bar rule works as follows: a complaint should be made 6 years from the date of the event complained about or, 3 years after you became aware you had cause to complain.

 

You're complaining about the sale of the PPI. That was 2007, so the 6 years was up in 2013. The 3 year part of the rule may give you some extra time - however, how it is applied depends on each case. For example, if you said that you didn't know you had the policy, but they sent out annual statements, then these could trigger the 3 years.

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You're wrong here. We've already discussed this.

 

The time bar rule works as follows: a complaint should be made 6 years from the date of the event complained about or, 3 years after you became aware you had cause to complain.

 

You're complaining about the sale of the PPI. That was 2007, so the 6 years was up in 2013. The 3 year part of the rule may give you some extra time - however, how it is applied depends on each case. For example, if you said that you didn't know you had the policy, but they sent out annual statements, then these could trigger the 3 years.

 

Well that sure does put a spanner in the works, so if the ombudsman deems it time barred, is there any other course of action left for me?

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Well that sure does put a spanner in the works, so if the ombudsman deems it time barred, is there any other course of action left for me?

 

So you should see what the ombudsman says first. Firms have mis applied this rule before - so it's worth asking. But you're at least aware it's a potential issue.

 

As for any other courses of action - some will say court. But that means spending money and chances are slim.

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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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hang on don't paint a picture that that was me agreeing with you

 

 

DISP 2.8.2 was written at a time when 1000's of people were still [looking at the data that these fleecing claim management companies provide]getting back and regaining reclaiming on PPI policies dating back to the 1990's.

 

 

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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hang on don't paint a picture that that was me agreeing with you

 

 

DISP 2.8.2 was written at a time when 1000's of people were still [looking at the data that these fleecing claim management companies provide]getting back and regaining reclaiming on PPI policies dating back to the 1990's.

 

 

dx

 

I don't really understand your point. It was written in the early 2000's. It is still a rule - and it isn't going to change. In fact, quite the opposite, given the FCA's proposal to set a deadline on new complaints.

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