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    • 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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    • 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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Eggie V Halifax CC


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I will wait till ive got my statements, i like the idea of contractual interest.. ive had a good look around and i dont quite understand it, i understand the standard 8% which seems easier, if not less.. When i get my statements and work it all out, we shall see... I may need an A to Z idiots guide to help me out with the contractual stuff...

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Whats the average waiting time for acknowledgment and actually recieving statements from Halifax Credit Cards? Anyone got a rought idea?

 

When i did my bank account i had my statements within 3 weeks. Just wondered if credit cards worked out about the same even though admin is from a different area.

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all contractual interest is the interest the bank charges you for the serivce they provide(i.e. within the contract), be it an overdraft, credit card usage or whatever. They generally have an authorised rate, and an unauthorised rate (when your "over" your overdraft limit). You just find out these rates, and use either one(depending on hoe "cheeky" your feeling) instead of the 8% allowed by the courts. It really increases your claim, so worth looknig into. and you can awalays claim 8% in the alternative at the judges discretion! can't lose really.

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Bored and impatient so just thought id add to my thread LMAO... ben looking through details about contractual and just tried to download the Vamp Excell form but kept saying 404 url error.. ven though the contractual seems difficult to understand im sure i will manage..

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Contractual can seem a bit daunting at first. Vampiress's spreadsheets are down for some work at the moment. It might be an idea to just go for statutory for one of the accounts first just to get comfortable with the whole process. After all your claims start the month you sent your S.A.R - (Subject Access Request) so there is nothing lost by waiting to process the other 2. Happy reading and good luck. Sally

 

 

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eggopp, have had trouble with spreadys too, wanted no. 13 to do hubbys spreadsheet but Tanz has e-mailed me (I think no. 16) so will get started on that this evening, bit more complicated but I will keep at it.

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Rang Halifax Credit cards today to chase up my Statements as its been 4 weeks and nothing heard not even an acknowledgment... Was met with a very rude man who was abusive.. and when i asked to speak to his supervisor was put on hold for seveal minutes before being told the 'supervisor' refused to speak to me...

 

Guess their getting ticked off with us demanding our money back LMAO.. anyway he was so rude he wouldnt even tell me his name. :eek: still just under 2 weeks to go then i will report them if ive not recieved anything..

 

Especially as they cashed my cheque on the 7th Feb!!

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This friday is the last of their 40 days... still no statements, they wont acknowledge me the phone coz i cant remember my old passwords and they are very rude... ahh its gonna be a pleasure to send in my prelim ect

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just to let you know, halifax sent half my statements requested and then i allowed them 14 more days after the 40 days were up as a "goodwill gesture" and then i sent them a letter threatening reporting and stating my treatment. Recieved them a few days later with an apology.:D Ive now been settled £685 in full.

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Ive just written a reminder of there obligations.. hehe take a look

 

Wednesday, March 07, 2007

The Manager

Halifax Card Services

Pitreavie Business Park

Dunfermline

Fife

KY99 4BS

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxxxxxxxxx

ACCOUNT NUMBER: xxxxxxxxxxxxxxxx

ACCOUNT NUMBER: xxxxxxxxxxxxxxxx

On 27th January I sent you a letter dated 24 January 2007 in relation to a subject access request under the Data Protection Act 1998.

On 29 January this letter was received by your department and was signed for as it was sent recorded delivery, a copy of that receipt provided by Royal Mail is enclosed. On 7th February 2007 our cheque for £10 covering the cost of the subject access request was cashed.

As the 40 days is quickly coming to its close, I feel it is appropriate to remind you of your responsibility and that; should I fail to receive full documentation as requested in my original letter (Enclosed) I will be left with no alternative but to take further action and report you to the appropriate authority; in addition to applying to the court to obtain information should it be required.

In addition to this, I have made several phone calls to your office and have been met by very rude and unprofessional members of staff who have been most uncooperative which; further strengthens my desire to obtain the appropriate information.

The close date of the 40 days permitted for subject access request is this Friday 9th March. I trust that this is in fact in hand and that I will receive my information in a timely manner. I am of course expecting all of the information requested. In addition, in relation to manual interventions, I am fully aware that there has been manual interventions during the application process for the above accounts. This is inclusive of telephone conversation between under writers and my local branch in Swindon via Mr Tony Hawnt and his colleague who shared his job role. Further more I have had conversations at that time with your under writers in respect of these accounts.

As your recorded messages indicate when making telephone contact, all telephone calls are recorded for the purpose of training and security I would like copies of all my telephone conversation transcripts as part of the manual interventions.

I trust you will be fully cooperative in this matter and I look forward to receiving our statements on Friday.

Yours Sincerely

Eggie

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Just need to complete three seperate spead sheets for each account now, very disappointed though each account only had £175 of charges on, oddly enough tho.. all the same amounts.. freaky thought there would have been a lot more..

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