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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Credit AGREEMENT -or- APPLICATION? RBS Advantage Card


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Dear me, how much confirmation do you want that the Littlewoods one is not enforceable. I've told you on another site that it lacks everything an agreement needs, but clearly you don't believe me. If that's the cast, then why ask? :x

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I don't mind people asking advice at all, but to keep going from site to site, and board to board, asking the same thing, is just going to annoy people. Even on here you've posted it on more than one board with no time at all for people to reply.

 

I's just bad manners.

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I don't mind people asking advice at all, but to keep going from site to site, and board to board, asking the same thing, is just going to annoy people. Even on here you've posted it on more than one board with no time at all for people to reply.

 

I's just bad manners.

 

i have already said i am sorry.

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Calm it down you to, everyone knows what it's like to be at the bottom of the heap getiing told all kinds of crap by the creditors who may lie (no really), you want lots and lots of reassurance. First lesson of counselling Ian dont get annoyed with the client

 

Mike

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If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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I'm not a counsellor so that's irrelevant.

 

When I see the same agreement posted on different sites, and give the same comments (that it's unenforceable due to no prescribed terms) only to seemingly be ignored, it's annoying. We help each other on these issues for free and in our own time, and if people won't accept what they are told, then what's the point of asking?

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Where ignorance is bliss tis folly to be wise

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Just to pour a little oil on the argument in the last few posts above....err could I have another (just a second) opinion on whether this is an agreement or application

http://img.photobucket.com/albums/v456/Nicole99/MBNA-2.jpg

 

Have posted on my thread and received one reply already

http://www.consumeractiongroup.co.uk/forum/mbna/72390-mbna-default-ref-r-7.html#post1086145

 

Just want a second opinion before I open fire on MBNA

I think going by the knowledge I have required here it is an application, and unenforceable due to no prescribed terms and being 97% illegible

Also they didn't sign, just stamped it as received in July 1998.

They enclosed recent terms & conditions, not the original ones either.

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Had what is obviously the original application forms for a barclaycard visa and a barclaycard mastercard cards from barclays. None of the prescribed terms seem to be on it and they have sent a separate sheet with t&c's on it. They even refer to it in the letter attached as a "application credit card agreement" surely they are taking the mick lol.

But the best CCA response is citicards who didn't even send an application just a load of waffle and a set of the current terms and conditions and stated this fufilled their obligations under the consumer credit act!!!

These companies need to understand that they will have to start taking the CCA more seriously and that consumers are becoming more savy.

Go CAG

ali x

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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Hi - I'd appreciate opinions on the below - I don't think it looks like an executed agreement AT ALL - so I'm looking to have the case thrown out at my court hearing!

 

Can the T&Cs on the flip side of this original be admissable (not that they've YET' sent these to me!)? Naturally if they produce ANY T&Cs it requires my signature, yes? Else they could have plucked them out of anywhere?!?!

 

On with the show - thanks in advance, ALL:

 

marbles3_0001.jpg

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not enforceable as it doesn't have the prescribed terms in it. No reference to Terms and conditions on it so can't be linked.

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Hi there,

 

I have a thread under " Illegal CCJ on Account" elsewhere.

 

I was in court yesterday at a determination hearing, & have been given more time as CL Finance havent furnished all the neccessary statements I requested with a SAR in order to work out charges which makes the amount inaccurate that they are seeking from me.

 

Now to the point:

 

I was sent my CCA, which is in the form of an application form but it does have some APR terms on & it was signed by GE Money(albeit a squiggle!).

 

The thing is, the terms & conditions they sent me with the application/CCA were just a photocopied sheet of info. One small paragraph that they had highlighted in green was the only thing that stood out. Sorry Im at work and cant remember what this info in paragraph was.

 

In addition, I am certain that they changed the card a couple of years ago, which they sent me (you know, different design that sort of thing) but I wasnt in receipt of anything I had to sign for, for the new one .

 

Does this mean anything significant at all? Should I have signed any new form for this? If so they havent sent it to me.

 

I have to amend my defence & counterclaim very soon so would very much appreciate your advise & expertise.

 

Many, many thanks

Electric Lemon

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thats damn near the exact agreement i was sent by the AA Finance department, around the same date too.

 

Everything appears to be there, but in my case the APR was wrong, maybe someone can work this out for you?

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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take your bank details off the form and repost though!

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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