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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Maybe you should write them a letter

 

Quote

Dear Sir/Mdm

You have not responded to my letter of claim dated XXX therefore the clock is ticking and I shall be issuing proceedings against you on XXX date unless you cancel the agreement, make arrangements to recover the vehicle and reimburse me on a pro rata basis to be agreed between us.

In order to settle as much as possible of this dispute before I issue proceedings, even if you do not want to admit liability, I suggest that you let me know what you consider would be a reasonable calculation of a pro rata reduction.

This would mean that when the matter goes to litigation, there will be less to argue about with the commensurate saving in time inconvenience to both of us and also to the court.

At the moment, I calculate that I have paid you £XXX for about seven months ownership of the vehicle – and during which I have clocked up about 6000 miles.

I shall be basing the value of my claim on about 90% of that on the basis that 6000 miles is probably about 10% of what I would reasonably expect to be using of the car before I sold it on.

Of course at the end of this. I would expect to resell the vehicle to recover some of the value. However, during the period of ownership I would also expect to spend money on maintenance and so I'm proposing to set-off maintenance costs against the eventual resale value so that this produces a zero balance.

In addition to the County Court claim that I shall be making on XXX date, I should warn you that I shall be obliged to hire a vehicle and if you have not settled the matter, then I shall add the cost of hire to my claim which will accrue until the date of judgement.

In addition, as you must appreciate I will be claiming interest under the County Court site which is currently calculated at 8%.

As I pointed out, I'm inviting you to make your comments on my pro rata calculation and I accept that you might prefer to make these comments without any admission of liability. That's fine. However, it will not be without prejudice because I shall be showing this letter to the court and any response that you might make.

I'm anxious to show the court that I have tried my level best to have a sensible and adult discussion with you and I invite you to join me in this.

Yours faithfully

 

 

 

If you are happy with this then send it. If you want to make any comments or modifications then let us know.

Also, I think it's almost beyond doubt that you will have to issue the court papers. Have you registered on the County Court money claim website? Are you familiar with the steps necessary to bring a County Court claim?

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I'm afraid that is something that you will need to work out for yourself which is why it needs to be done in advance so that you are fully prepared.

You can save your work as you go. Make sure that you identify the name of the finance company correctly. You will have to look at their official website and find out what the registered name is and also their registered address.

You can get most of it done and we will help you with the particulars of claim

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Use the finance figure but then go on to point out that you are still calculating other and silly losses such as pro data tax and insurance etc

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pro rata tax refund

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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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3 hours ago, BankFodder said:

Dear Sir/Mdm

You have not responded to my letter of claim dated 28th june 2021 therefore the clock is ticking and I shall be issuing proceedings against you on 13th july 2021 unless you cancel the agreement, make arrangements to recover the vehicle and reimburse me on a pro rata basis to be agreed between us.

In order to settle as much as possible of this dispute before I issue proceedings, even if you do not want to admit liability, I suggest that you let me know what you consider would be a reasonable calculation of a pro rata reduction.

This would mean that when the matter goes to litigation, there will be less to argue about with the commensurate saving in time inconvenience to both of us and also to the court.

At the moment, I calculate that I have paid you £1,528.87 for about seven months ownership of the vehicle – and during which I have clocked up about 6000 miles.

I would like to make you aware these figures will change after the 14 days to include my calculate of pro rata tax refund and insurance as any change of the finance payments 

I shall be basing the value of my claim on about 90% of that on the basis that 6000 miles is probably about 10% of what I would reasonably expect to be using of the car before I sold it on.

Of course at the end of this. I would expect to resell the vehicle to recover some of the value. However, during the period of ownership I would also expect to spend money on maintenance and so I'm proposing to set-off maintenance costs against the eventual resale value so that this produces a zero balance.

In addition to the County Court claim that I shall be making on 13th july 2021, I should warn you that I shall be obliged to hire a vehicle and if you have not settled the matter, then I shall add the cost of hire to my claim which will accrue until the date of judgement.

In addition, as you must appreciate I will be claiming interest under the County Court site which is currently calculated at 8%.

As I pointed out, I'm inviting you to make your comments on my pro rata calculation and I accept that you might prefer to make these comments without any admission of liability. That's fine. However, it will not be without prejudice because I shall be showing this letter to the court and any response that you might make.

I'm anxious to show the court that I have tried my level best to have a sensible and adult discussion with you and I invite you to join me in this.

Yours faithfully

I did add abit in how does this look please 

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Well they had better hurry.

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Well they are wrong. Did you record the call? Did you find out who you spoke to? Did they happen to suggest anything such as repairs et cetera?

They should be putting these kinds of thing in writing.

I suggest that you write to them immediately, refer to the call – time and date – and what was said and tell them that you want this response put in writing.

Tell them also that the clock is still ticking on the letter of claim.

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No

yes it was the person who was dealing with my complaint and they are offering the drivers assistance scheme to me which they loan me 75% off the repairs and I have to come up with the other 25%

they won't accept that they are the owners of the vehicle until final payment is made they was saying because im on the logbook as the registered keeper.

They spoke to the garage and they told them it's a common fault and it could of happened at any point .

They are sending it me in writing and told them time is ticking and they just said okay if you want to go that way 

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Are you recording your calls? Have you read our customer services guide?

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No as im not sure how to and I clicked on the link but nothing comes up 

No wasn't sure how

now ive read it

I've downloaded the app and going to start using it if they call it again.

I do have call logs of times and dated they called 

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4 minutes ago, Lil Worthy92 said:

No as im not sure how to and I clicked on the link but nothing comes up 

Well it works for me

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Well you have sent your letter of claim. They are being completely uncooperative and unhelpful and so you have set your deadline and you will have to issue the claim you want to make any headway.

If you don't issue the claim then I don't really see a way forward.

Have you registered with the County Court's money claim website yet? Have you started to prepare?

If I haven't suggested it already, I suggest that you send First Response a subject access request.

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Don't send anything off yet. Simply prepare everything and we will have to draft the particulars of claim together.

Let's make sure we have all our ducks in a row before we start clicking things off

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Yes send the SAR off straightaway. You should be using our template so that is nicely widely worded and takes everything

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