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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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      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.
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advice needed,on so many debt collectors after me


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Hi I have asked RWC for a copy of credit agreement but, they have replied telling me that there is no signed agreement . They say that I was deemed to have agreed to the terms and conditions of the credit, which were relayed in the catalogue itself, when I placed the first order. They go on to say that by ordering goods from the catalogue, I am liable for payment of those goods. What do I do next?

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write back and tell them as they are probably aware a debt can only be reinforced with a properly executed agreement, as they have written to confirm this doesnt exist you want written notification that the alleged debt will be written off, all entries on your credit file removed and written confirmation of it otherwise you will replrt them to the information commitioners office.

 

 

this help?

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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hello everyone, i sent out requests for my cca on 4th of april, only one sent out some thing (which turned out to be a application)

 

so, the 12 days have long gone by,

 

and the 30 days they get, we are now on day 26 into that,

 

so if i dont here of nothing in 4 days time, what do i do next??

 

im so nervous becouse,none of these debt collectors ent realy relying to all this, apart from one who sent a application form (lowells/capital one), and another who have requested one (littlewoods-which i know there ent one), why they all being so quite??:confused: xxxx

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Making complaints to your local and their local trading standards, you may want to do this via e-mail if they offer this service, to save postage.

 

Also, consider making a complaint to the Financial Ombudsman Service too.

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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im so nervous becouse,none of these debt collectors ent realy relying to all this, apart from one who sent a application form (lowells/capital one), and another who have requested one (littlewoods-which i know there ent one), why they all being so quite??:confused: xxxx

 

.... probably because they are unable to comply. :D After 12+2 days and one calendar month, it's an offence to pursue payment without complying with a CCA request.

 

There is no need for you to contact them at all... just complain to TS and the OFT.

 

:)

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hi again everyone,

i just contacted my local trading standards,and emailed them regarding lowells. i put down every thing what has happend along with all the kept letters and recored delivery recipts i have. :) xx

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.... probably because they are unable to comply. :D After 12+2 days and one calendar month, it's an offence to pursue payment without complying with a CCA request.

 

There is no need for you to contact them at all... just complain to TS and the OFT.

 

:)

 

Making complaints to your local and their local trading standards, you may want to do this via e-mail if they offer this service, to save postage.

 

Also, consider making a complaint to the Financial Ombudsman Service too.

 

i have just made a complaint to both trading standards and financial ombudsman services regarding lowell financial :) xxxx

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Well done Mich, you are doing brilliantly!:D I agree, no need to contact Lowells, why waste time/ink/postage on a letter they won't even bother to read:rolleyes:

Keep up the good work, try not to be nervous you have our support here whenever you need it:) XXXX

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Well done Mich, you are doing brilliantly!:D I agree, no need to contact Lowells, why waste time/ink/postage on a letter they won't even bother to read:rolleyes:

Keep up the good work, try not to be nervous you have our support here whenever you need it:) XXXX

 

thank you so much mate that means alot,

i do feel quite proud of myself, and i couldent of got this far with out all of you helping me. i sending out loads of hugs and kisses now with this message, lol! xx:D

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thank you so much mate that means alot,

i do feel quite proud of myself, and i couldent of got this far with out all of you helping me. i sending out loads of hugs and kisses now with this message, lol! xx:D

 

Awwww, how sweet!:D You have every right to be proud of yourself, and isn't it satisfying to stand up to the bullies!

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morning everyone,

ive just recieved a letter from DEBT MANAGERS LTD (for littlewoods)

they have wrote in there letter they have been unable to obtain a copy of the signed agreement, so they have closed the account and returned the file back over to littlewoods.

all future communication should be with them direct.:) xx

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morning everyone,

ive just recieved a letter from DEBT MANAGERS LTD (for littlewoods)

they have wrote in there letter they have been unable to obtain a copy of the signed agreement, so they have closed the account and returned the file back over to littlewoods.

all future communication should be with them direct.:) xx

Yay, that's one DCA out the way Mich!!:D WELL DONE ! And if they can't supply it, that means Littlewoods won't be able to either.

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Yay, that's one DCA out the way Mich!!:D WELL DONE ! And if they can't supply it, that means Littlewoods won't be able to either.

 

hi mate,:)

i had a debt collector (to do with a book club), sent me the same sort of letter the other week.

yes it is good news.:D

remember the reclaim back bank charges company i told you about, they are taking hsbc to court, i had to sign papers the other day:) xx

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as for the stamp question.

any unused stamp is classed as legal tender/payment.

as it can be used or cashed at a post office

i think that is still the case

dx100uk

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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hi mate,:)

 

i had a debt collector (to do with a book club), sent me the same sort of letter the other week.

 

yes it is good news.:D

 

remember the reclaim back bank charges company i told you about, they are taking hsbc to court, i had to sign papers the other day:) xx

Great stuff, shouldn't be long before you get your money back from them then:D Did you put in your POC that you wanted paying by cheque after?

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Great stuff, shouldn't be long before you get your money back from them then:D Did you put in your POC that you wanted paying by cheque after?

 

no but im sure,this company will get it all back for me, i havent told them im in debt with them.

im gonna have to wait and see,

if they do take the money to pay towards the debt il will say then about all my other debts, and the money is mine and i will decide who gets what. xx:)

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no but im sure,this company will get it all back for me, i havent told them im in debt with them.

 

im gonna have to wait and see,

 

if they do take the money to pay towards the debt il will say then about all my other debts, and the money is mine and i will decide who gets what. xx:)

If the account is still active/open the bank will more than likely pay it off your debt:( although if it's already been passed to a DCA then you should get a cheque, I think:-) either way, you'll know soon XX

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If the account is still active/open the bank will more than likely pay it off your debt:( although if it's already been passed to a DCA then you should get a cheque, I think:-) either way, you'll know soon XX

 

 

hi mate, :)

the account was shut down some years ago, and in the last year the debt was sold on. xx

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Hiya Mich

 

Just passing through your thread and having a read :D

 

A Big Well Done so far!

 

Love Spiritgirl x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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as for the stamp question.

any unused stamp is classed as legal tender/payment.

as it can be used or cashed at a post office

i think that is still the case

dx100uk

So do not need to pay for a postal order, COOL:cool: shame they don't make it known:rolleyes:

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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