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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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Loan Maker Broker/Advantage/ADV2/Paragon/MARS - Secured 2nd charge debt consolidation Loan May 2007 - still owe more than i borrowed!!


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just going through all my figures, i will need help soon

but in the mean time another letter saying in order to set up a payment plan we still require from you 3 months bank statements and an income / expenditure

 

I don't need to do this do i? i am still paying on time the court recommend amount, do i put in writing i am paying this amount so they stop asking or just leave it

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no ignore them.

 

 

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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On 08/04/2021 at 18:03, dx100uk said:

they can say what they like.

but you don't know what you actually owe as you not got a complete set of statements from day one.

it could be vastly inflated with £1000's of unlawful penalty fees and knowing your players well...it will be.

 

 

been answered several times over the years.

 

have now got a complete set of statements from each organisation via an sar to each that has ever played a part in this sorry affair?

 

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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sorry i only wondered if they could do anything since i am just paying and ignoring their requests for income expenditure to set up a payment arrangement

 

i have statements from paragon and mars , i need to send to further back than them but having trouble finding details but i will. Its taking me a long time to go through it all

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On 05/02/2021 at 14:46, dx100uk said:

they can't change anything a court ordered - it's called contempt

you were entitled to the std covid relief that every mortgage payer got

 

you must go get all the info and get reclaiming.

 

 

 

 

have you sar'd advantage?

 

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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No that’s the one I need to do , they changed name to adv2 while they had my loan

i read this , do i ask for a variation to my court order while i get my case together with SARs

Effect on suspended possession orders

If the lender grants a payment break and the mortgage is already subject to a suspended possession order, the order is breached if the contractual monthly instalment is not paid.[5]

Borrowers should discuss the implications of breaching the terms of the order with their lender and seek assurances that the order will not be enforced as a result of an agreed coronavirus-related payment break. Borrowers can apply to court for a variation of the order to prevent enforcement once they are able to make the contractual payment again.

If a payment break is granted the contractual monthly payment element is likely to increase once payments recommence. Borrowers should consider whether they can make the increased payments. Lenders could extend the term of the loan instead of increasing the monthly payment where appropriate.

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only if they were to return to court.

 

stop panicking again and thinking they control you.

its your money and you decide where it goes too.

 

i would politely suggest that covid relief is not a breach and any court would view such.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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they just keep saying i have no arrangement in place and need to do the income / exp to set an arrangement up.

 

I have ignored this and paid for first 3 months after covid relief, i paid contractual as they said pay what i can afford then for next 3 months i paid the court ordered amount in full ,

 

would it best to make a payment to them for the extra amount i didn't pay in those first 3 months after covid break so i haven't breached anything as such?

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who says DO owe the sum they are collecting?

if they are soooo confident then let them go back to court and then you can hit them with a variation order

but it seriously will not be necessary.

 

as from day one, you've been had blind 

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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  • 2 weeks later...

 I now have a letter

we have been unsuccessful in our attempts to contact you in respect of the outstanding payment shortfall on your account its important to clear the shortfall amount as soon as possible

if for any reason you are unable to make this payment , call us on ... immediately to discuss the reason for the arrears and what repayment options are available to you

whilst in arrears you incur additional interest on a daily basis an arrears fee of £40 is charged monthly

????? the shortfall they say is £30k

I am so annoyed , all this because i haven't upped my payments and done the income / expenditure.

Do you have any idea what i can do as am not finished with all the SAR stuff

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nothing, prove your case, the balance is unlawfully inflated by £xxxx's of unlawful penalty charges and their associated interest.

take control it's your money.

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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What will they try and do next , this is all because they want a higher payment isn't it.

 

Do i not respond to it?

 

Also with all the SAR info , i am adding up whats been paid and what fees have been added is this all i need to do? theres so much to go through its taking a while

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once you have every statement from everyone from day one

you do the CISHEET.

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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ill have a look 

 

So do i need to be worried about them writing to ask for this shortfall ? is this their way of getting me to agree to the higher monthly payment to cover the higher interest they say is on there now 

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going round in circles again.......

who says it's even owed...

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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No

i know that but i want to know if its just scare tactics to get me to pay up, thing is I've been paying for 6 months now

id be surprised if they tried court as I've been paying court ordered amount

they say its not enough hence asking for an income / exp every couple of weeks.

I just want to know if they will try repossession but i can't see how they can

Do i count every single charge on there, are all charges unfair - missed payment charges ?

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any fixed sum fee like letter/phone/arrears/debt collection/debt management/debt visit etc..... you'll spot them.

 

we've been trying to get you to do this for 13yrs now..since post 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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i know but they scare me and letters like this scare me even though i know I've been paying what i was told so they can't do much at moment can they? thats all i am asking ... a little bit of reassurance , i do suffer with horrendous anxiety

 

i want rid of it and to pay it off , but i don't understand that i won't be left with a balance still as I've had it since 2007 and apparently ill be paying £143,000 back on a £30,000 loan. Well i won't have paid that much back so they can turn round and say i still owe a lot can't they? even with fees taken off? I've been paying since 2007

 

where do i find this CISHEET

 

can i put in for a court date to ask for time to finish SAR and get legal advice and to ask to pay the court ordered amount?

or can i write to Mars and say i am paying the court ordered amount back as instructed ? i just feel like this letter needs an answer ?

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Latest Spreadsheets - PPI Claims and Charges Claims - Dec 2011 - Payment Protection Insurance (PPI) - Consumer Action Group

 

court date ?? now what are you dribbling on about? where are you getting all these silly ideas from?

 

please ignore everything from them, get on with fighting back

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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I do love your straight forwardness sometimes

Yes i will keep fighting back , do i stand a chance ?? hopefully

I do get anxious and ramble , i am worried they'll try and get an eviction date if i do not up my payments as i have broken the SPO due to covid ,

which is understandable but the payments should increase to cover the covid break as with every other mortgage .

I am hoping that i have time before they try and pursue things thats why i wanted to write back to them?

 

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just type no need to hit quote.

sit on your hands do not ever write, ring, answer the phone or respond in anyway unless we say so.

 

 

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 year later...

Hi

i have been on hold with things due to family illness

i am yet to fill out CI sheet and take things further , been paying mars each month -

had a call today to  review things and can i get a remortgage with someone else as my interest isn't covered each month on the arrears.

There is an SPO in place which still has 2 years left i said and i pay £146 extra a month 

I am going to sort things BUT in the mean time can they change the SPO amount ?

i thought it had to be in place for the 6 years and they couldn't change  it? 

they also want income / exp to see if i can pay extra.. giving me 14 days to make an appointment with a mortgage advisor to see what i can do to pay it off or remortgage... apparently they are trying to help me.

I filled a complaint about the call and asked to speak to manager and he didnt know what to say.

I will not talk further i was caught off guard and i should in future not talk i know this but letters are often so vague and threatening i never know what they mean

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On 13/05/2021 at 14:26, dx100uk said:

Sit on your hands

do not ever write, ring, answer the phone or respond in anyway unless we say so.

Going round in circles again .

 

They would have to return to court 

If they ring. Stop say writing only. Put the phone down 

 

Get that cisheet done 

You probably owe nothing 

 

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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