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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.
    • 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
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Lowell financial and 4 debts


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My partner started to receive letters from a company called Lowell financial a while ago.

When I saw them alarm bells started to ring and I did a bit of research on here.

 

From what my other half tells me,

these debts were from well before we met so are probably 10 years or more old.

 

The debts were from capital one,

three,

jd wiliams, and

shop direct.

 

We sent a cca request and £1 postal orders for all the debts.

Lowells have acknowledged all the cca requests and closed the three account.

 

It has now been a month since we have heard anything from lowells about the remaining 3 accounts.

We have checked on experian and it seems lowells have 2 of the named accounts showing as in arrears for about 4 years.

 

From what I read on another post, my other half should not pay them anything ever.

They have failed to provide any of the original documents so as far as I can tell they are unenforceable and should be off her credit record after 6 years.

Am I correct And should we be worried about it?

Edited by dx100uk
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you say no payments have been made on any of them in 10yrs?

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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you say no payments have been made on any of them in 10yrs?

 

No, I said the debts were probably over 10 years old. They were from when she lived in a flat before moving back home into her mothers house.

 

Closed the Three account after a CCA request?

Please do tell more...

 

Cca request sent on 4th July, acknowledgement of the letter received on 11th July, letter about closed account on 14th july

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so the rest have now well failed the 12+2 working days time limit

 

ignore until or unless you get a letter of claim.

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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  • 3 weeks later...

As an update on this thread, my partner has today received 3 letters, all the same but for the 3 remaining accounts.

 

state that they are still waiting for a copy of the documentation from the former debtors and the accounts remain on hold.

 

They say we should hear from them within 40 days.

 

I thought they had to provide to us the original docs within 12 (+2) days, which they have failed to do

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former debtors?

you mean the original creditors

 

yes they only have 12+2 WORKING days

if they fail stop any payments till they comply with a CCA that gets checked here first

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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Just to clarify, this is what their letters say...

 

We refer to your recent request under sections 77/78 of the Consumer Credit Act 1974 for a copy of the documentation for this former capital one/ j d williams/ shop direct account.

 

We have requested a copy of the documentation but have not received it yet.

 

Your account will remain on hold while we await the requested information from capital one/ j d williams/ shop direct.

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  • 2 months later...

The 40 days they claim to have to supply the requested documentation have long gone but all 3 remaining accounts are still showing up on her credit file as in default but queried. Is there anything we can do to get them removed? The three account has been cleared from her credit file.

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accounts stay on credit file till the default reaches its 6th birthday

then they are removed

paid or not, paying or not..makes no odds

 

theres not reason to remove them no.

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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  • 1 month later...

Start a new thread in the cap1 forum

Give a brief history

And scan the cca return upto one multipage pdf please

Read upload

 

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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