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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.
    • 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
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hsbc bank charges


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Hi i am a newie at this hope i do it right ,i am currently awaiting a date for a hearing in court for the hsbc on bank charges,i have had no offer from the banks at all ,do you think that they will give me an offer before the court date or will they go all the way to court,what is the general rule on this one:confused:

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Hi i am a newie at this hope i do it right ,i am currently awaiting a date for a hearing in court for the hsbc on bank charges,i have had no offer from the banks at all ,do you think that they will give me an offer before the court date or will they go all the way to court,what is the general rule on this one:confused:

 

Each case regarding offers is different, however the one thinkg that is the same is that they wont go to court.

Read the success threads in the HSBC forum this will show you what to expect.

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hi livelylad i asked for a refund of £2,562 got an offer of £1,822 but still awaiting a court date ,do i accept this offer or fight all the way to court even though as in almost all cases the banks dont turn up anyway ,there offer doesnt involve interest or the mcol cost of £120.00 ,do i write them a nudge letter & ask them again for the amount owing as i believe i will have to folk out another £100.00 in more costs ,gets a bit expensive all this court stuff :rolleyes:

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hi livelylad i asked for a refund of £2,562 got an offer of £1,822 but still awaiting a court date ,do i accept this offer or fight all the way to court even though as in almost all cases the banks dont turn up anyway ,there offer doesnt involve interest or the mcol cost of £120.00 ,do i write them a nudge letter & ask them again for the amount owing as i believe i will have to folk out another £100.00 in more costs ,gets a bit expensive all this court stuff :rolleyes:

 

Hi I have enclosed a link for you.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

You are now entitled to the interest and the court fees. Fight all teh way for your money.

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thanks a lot for that information ,i will write a letter stating my objectives & wait for a reply ,hopefully full refund before court date ,its in there best interest to settle isnt it !how long do you think for court dates are we talking months because of the back logs :rolleyes:

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HELLO AGAIN,DO I SEND A NUDGE LETTER TO THE SERVICE QUALITY TEAM IN LEEDS [THATS WHERE THERE OFFER CAME FROM ] MR LOKER.OR TO DG BUT I DONT KNOW THERE ADDRESS ,WHAT DO YOU THINK ,IF I NEED TO WRITE TO DG CAN YOU GIVE ME THERE ADDRESS ,REGARDS PHUGH:confused:

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hi phugh, this might help if it is DG then it may well be kate eaves who is dealing with it, she is dealing with mine. here email is [email protected]..... you could send any future mail via this as well as snail mail...........from Northampton court today they are running a min of 6 days behind........... due to the volume of claims.....

rockin all over the world

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yes my case has been defended & i am now awaiting a transfer date to my local court ,i did phone them up last week to see if they had a date yet they told me it would take 2 weeks ,still awaiting date ,but in the mean time i did get an offer of £1,800 from leeds i am claiming £2,500 ,wrote a letter back to them registered post telling them that i was rejecting there offer ,hoping to get a full offer before my court date ,going on hols at the end of june could do with some spends ;)

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i'd send one of those rejection letters to hsbc - to the place where the offer originated - and put in the letter that they don't appear to be up to date as you have now filed in county court and would require the reimbursement of court fees. give them your claim number and date -

this is actually just a courtesy - because as above - from filing - you are actually being dealt with by dg now. so, i'd send dg a copy of that letter and your reply and also a copy of your breakdown. send a nice little letter saying that you understand that they are defending the claim, that you hope to hear from them soon, that you will require xxxx.xx (full amount) to settle the claim.

there are some ideas for letters in post 1 of both my aq threads in my signature. i'm advising a nudge letter to dg every 10 days with a breakdown until they offer - with you rejecting that offer from the bank - it seems a logical opening for your first nudge letter.

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Thanks all for your help, Lateralus on Tuesday I sent them an email copied from this site, the I know you are very busy with claims, kind of thing. I also gave them a dead line of the 15th of this month in it to seetle otherwise do not bother making an offer "we will see you infront of the judge".

 

So far no acknowledgement, I did however send a refusal as soon as that offer came in, HSBC have not acknowledged that letter so far, we also sent one 14 days later giving them a date when court action would be subbmiteed, they also have not responded to this either :) but that is a good suggestion and I will do so today........

 

What I have also done is email the local paper drawing attention to the fact the banks are using the judicial system for prevaricating............and have drawn reference to the article by the Judge in Bristol.....My hope is that some of the judges might just read it, not be aware of that and it might just make them look at the actions in their courts a little differently....... Well it cant od any harm can it?:)

 

Tried phoning Northampton County Court yesterday afternoon but alas from 3.45 till 5pm continually engaged( think thye have had enopugh by that time of day).

 

Have just phoned them whilst typing htis:) :) :) :) it has been transfered to my local court yesterday, and we are being sent a copy of their defence. I asked the very nice lady who I spoke ot " oh so I shoudl have it tomorrow or Monday at the latest then", that might be a bit quick but certainly next week....

 

Oh Oh Oh (its like getting near xmas).........So the next step is they court will either send the AQ thingy or jsut issue the court date yes?.......

 

Thanks all, this site and those who offer this service are indespensable.........Auburn

rockin all over the world

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Oh sorry auburn, I thought you had already received a defence ( ishould have read your thread properly). I have had a standard defence that I could post. Where do you think the best place would be to post it? Should it be in a thread of it's own?

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I will post it as soon as it arrives Freakly then you can compare it to the one you received........... erm i ma struggling finding things onthe site as it is...............wouldnt know where to start but maybe a defences thread is a good idea............

 

Lateralus I am more than happy to be wrong but i thought prevaricating meant To stray from or evade the truth...........now the banks are evading the truth as regards real cost of bank charges, so libel would not be an option:idea: .......... again i could be wrong with my understanding of Procrastination but thought it meant avoidance of an action or task to a later time.............

 

Now if both definitions are indeed correct , then it is possible both would apply:idea: but thanks for your thoughts, I will be more careful in the words and meaning I use in future........... thanks aururn:)

rockin all over the world

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yes, they both apply but you can say someone is putting things off that should be done and not go to court but if you call someone a liar............

 

other words to be avoided are thieving scumbags, etc....

 

we can think lots of things but have to be careful what we accuse peeps of - else the site gets in trouble, too.

 

think i was general enough - but watch this get edited!

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