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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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FIL pension


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This really is just a placeholder until I get hold of the full letter tomorrow but any advice is appreciated as with only being 30(ish) I have no experience with pensions

 

My father in law has been receiving letter for approximately 8 years or more stating he has approximately 38,000 in a pension

 

He is currently 63 and has been waiting to pull part of this out towards a new caravan

 

Today he has received a letter "politely" advising him that there has been an administration error and that his pension was converted into an annuity 8 years ago and therefore there is nothing in his pension pot and that they hope that "this will not cause him any stress"

 

He has checked and apparently he has been receiving £10 a week/month (wasn't too clear on the phone) but he can't remember ever signing up to this

 

I will get hold of the letter tomorrow hopefully and be able to give more story but he also has yearly statements for the last 8 years stating this money was waiting for him and is obviously distraught

 

Any advice?

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Thanks honeybee I will do asap

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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read upload

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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please find attached the documents, i believe i have removed all the relevant data

 

sorry they are not the best images but uploading from work means i have to do it when they're not looking

pension.pdf

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Thank you for that.

 

 

Assuming the plan numbers are the same in both sets of correspondence, that seems to set out their position. Has FiL been receiving £500 plus a month with 3% increases? I see it also pays a dependant's pension, presumably a spouse?

 

 

HB

Illegitimi non carborundum

 

 

 

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Thank you for that.

 

 

Assuming the plan numbers are the same in both sets of correspondence, that seems to set out their position. Has FiL been receiving £500 plus a month with 3% increases? I see it also pays a dependant's pension, presumably a spouse?

 

 

HB

 

i would assume the defendant is indeed his wife

the £550 is apparently yearly not monthly

as for the 3% increase he has no idea as he has never had any sort of statement about this annuity - only statments saying his total pension pot value

 

he also has no memory of agreeing to an annuity, and although it suggests a tax free payment on the letter he is also fairly certain he has not had one

 

i know it sounds like closing the door after the horse has bolted but is it worth doing a SAR or whatever the GDPR equivalent is to get the documents where he agreed to this?

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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there is an exactly matching case in todays Daily Mail financial section.

If the policy holder takes out any amount as cash for whatever reason the rest of the pot is converted to an annuity automatically.

 

back in 2010 this would have been the only legal way of taking cash out without penalty or paying tax so it looks as though there is nothing that can be done as long as he has been getting the pension each month/year.

 

Advice at the time would have been to either pay tax on the withdrawn money or transfer the balance to another scheme but at the time the pension co would have the whip hand and could have made that very difficult until after april 2010

 

When exactly did FIL take a cash amount of the pot as he mght have recourse to comaplin about incorrect financial advice/actions is after the pension reform start but not leave much room for change now as it is a bit late.

 

Most likely get a small top up or compensation if things go his way.

If before april 2010 then he will get nowhere.

Edited by dx100uk
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Thank you for that.

 

 

Assuming the plan numbers are the same in both sets of correspondence, that seems to set out their position. Has FiL been receiving £500 plus a month with 3% increases? I see it also pays a dependant's pension, presumably a spouse?

 

 

HB

 

It was Gross £559 a year HB so about £37 a month after 20% income tax deduction when it started in 2011. With 3% annual increases now around £43 a month after tax.

 

 

Your could certainly do a SAR labrat and get copies of his instructions in 2010, assuming they exist. I'd guess he did give instructions even if he doesn't remember it or didn't understand what he was instructing.

 

Do you have his bank statements? Can you check he has actually been receiving the pension since January 2011?

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there is an exactly matching case in todays Daily Mail financial section.

If the policy holder takes out any amount as cash for whatever reason the rest of the pot is converted to an annuity automatically.

 

back in 2010 this would have been the only legal way of taking cash out without penalty or paying tax so it looks as though there is nothing that can be done as long as he has been getting the pension each month/year.

 

Advice at the time would have been to either pay tax on the withdrawn money or transfer the balance to another scheme but at the time the pension co would have the whip hand and could have made that very difficult until after april 2010

 

When exactly did FIL take a cash amount of the pot as he mght have recourse to comaplin about incorrect financial advice/actions is after the pension reform start but not leave much room for change now as it is a bit late.

 

Most likely get a small top up or compensation if things go his way.

If before april 2010 then he will get nowhere.

 

going off the letter it was done december 2010 so will chase this thank you

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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cant seem to edit so sorry for double post

 

just checked down pension wise and apparently he should have been put on an enhanced pension with being diabetic

is this also worth chasing?

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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yes,

try and get the info as they should have offered him a transfer of balance if they didnt want to keep the rest of the pot as a pot.

By then the law had changed and they couldnt force people to take an annuity in that way.

 

get what you can and then go to the PAS and eventualy the Pensions Ombudsman if the PAS think it has legs.

 

As 8 years of paying out a pension have passed it would be unusual (but it does happen) to get an order that forced them to hand over a pot of money now but getting an enhanced payout backdated is easily doable

Edited by dx100uk
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Will update as I can

 

I only see FIL once a week so may take a while

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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