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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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    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Are you being harassed on the telephone by your bank or by debt collectors?


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Contribution to socioty????

 

Taking money that isnt yours, spending it then refusing to pay it back......Thats one contribution i think socioty can do without......

 

This Troll clearly failed to attend school, just like the other one!

 

Maybe it's the same Troll?

 

Either way, they'll be getting their jolly old P45s when caught outside of their nice Cubicles. The DCA Canteen Computer must have a whole herd of Trolls surrounding it by now, whooping and clapping that one/two of them can actually type, albeit with only one very chubby finger.

 

Brace yourselves for the next blinding Troll insight...

 

Cheers,

BRW

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I guess they scared all there customers away today

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

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Target will revert to playground insults when hit; dress forward onto the firing point and carry on.

 

Those of us who have served do tend to look down at some of those who have not. I'm afraid that people who make no positive contribution to society, and especially those who mock people who do, do not deserve any consideration in my view. Perhaps unsurprisingly, this includes the type of oxygen thieves who work for DCAs.

 

When you've come face-to-face with people who seek to kill you, when you've been under fire, and when you've seen what some humans will do to other humans, you might understand where we come from. We play by big boys' rules, and it takes more than some badly-educated urchin in a call-centre to scare us.

 

Well said SP,

 

I know we shouldn't "feed" the trolls but as the wife of an ex serviceman, I find their insults very offensive, therefore I feel the need to respond.

 

EDIT :grin:

Edited by freakyleaky
Removing inappropriate suggestion.
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The area i lived in previosuly did not have a Credit Union

I agree entirely and whole heartley where there are credit unions that cover that area.At least to the first part of your post.

 

But do note that its another new file so im wondering whats to come in the next post.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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This thread and others attracting unwelcome comments are being monitored.

Cag forums are here to advise and protect those seeking justice from an industry that breaks many rules.

Everyone is welcome to air their views but not at the expense of insult or character bashing.Lets see an end to it.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Had an interesting discussion with an operator calling on behalf of Citi at the weekend.

 

I have an account which is in dispute, to which an alleged debt it unacknowledged, and its fairly evident that they don't have an executed agreement otherwise they would have provided it from the source and not the recent terms & conditons which they purport to be the executed agreement.

 

Anyways call centre peeps phoning from India to try and get the arrears they believe are due - even though complaints with the Financial Ombudsman Service.

 

So my viewpoint is that they are trying to sell an idea, the idea that a customer should part with money, make a payment and acknowledge a debt..... thats an idea that I am not buying.

 

So said that i'm not interested in "buying anything today", needless to say the person at the other end of the line sound very miffed for one second before I put the phone down.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Lets be clear... the consumer requests the credit, the bank does not force the consumer. Therefore if you are provided with a service (credit) why should you not pay it back?

 

Gasbags:

 

I refer you to the answers I gave above.

 

You may also like to read the judgment of Morritt LJ in the case of Wilson v First County Trust, which in summary makes clear that if a creditor fails to ensure that all the paperwork meets the legal criteria, he should consider any money provided as a gift, since he clearly did not expect it to be returned.

 

We could also discuss the commission-led high pressure sales policies of banks which arguably give the lie to your statement that consumers are not forced to take credit, and certainly contributed to irresponsible lending; so blatantly irresponsible that it was noticed even by the dysnystaxic FSA.

 

You would not go into asda fill up your shopping trolly and walk out without paying, so where is the difference?

 

 

That would be theft, which is a criminal offence, whilst debt is not a criminal offence. That is one difference; there are others, but they are so obvious I will not insult your intelligence by mentioning them.

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If only you'd use some of that scorn for the banks who continue to commit unlawful and sometimes illegal acts on a daily basis without batting an eye lid.

 

As youre trying to bait people, and are not being constructive i'm not going to respond to your comments.

 

People its not worth responding to this person unless he is being serious - especially as its highly likely we are conversing with someone who isn't an adult.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Only they seem to have found time to attempt to bother us. I wonder why?

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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Quite correct, Enron. The type of comment posted by our two interlopers demonstrate an immaturity of reasoning which in other circumstances would be considered wholly inappropriate.

 

To stereotype all those in debt as essentially dishonest is reminiscent of the type of drivel spouted by those who suggest that all people of one ethnic group are thieves, or terrorists, simply because a minority misbehave, or that all Roman Catholic priests are paedophiles because some of them have committed offences against children.

 

To say that those in debt deserve to be treated badly by DCAs simply because they seek to assert their rights is remarkably judgmental, and is rather like suggesting that rape is okay if the victim wore a short skirt or behaved flirtatiously, or that soldiers who die or are wounded in battle deserve no less because of their career choice.

 

The apparently deliberate ignorance of the lack of intent, and of external factors, are also telling.

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Guest forgottenone
especially as its highly likely we are conversing with someone who isn't an adult.
Thing is ... having come across this kind of thing on other forums ... it is not always a 'minor' ... some more 'mature' individuals do it ... just to pick on people ... get at them ... Makes them feel important about themselves. Because they can do it 'anonymously' from behind a PC monitor somewhere.

 

But, yes, they are baiting ... it's what this individual(s) ... as there are now 'two' or is it one posting? I've also seen that on other forums as well ...

 

Maybe when they grow up ... or ... if they are 'adults' and I use that term very loosely ... as I have encountered plenty of these in my time online ... one day, they will reap what they sow.

 

And one day they will pick on the wrong person. I wish no ill malice towards most people ... but I do make exceptions and those exceptions are with contempt towards people of this nature.

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If only you'd use some of that scorn for the banks who continue to commit unlawful and sometimes illegal acts on a daily basis without batting an eye lid.

 

As youre trying to bait people, and are not being constructive i'm not going to respond to your comments.

 

People its not worth responding to this person unless he is being serious - especially as its highly likely we are conversing with someone who isn't an adult.

Well said Enron.

I find it hard not to be distracted by these troll-posts, and have precious little time and/or concentration to have it wasted. Responding to them is futile, this is how they get their 'kicks' and it's very sad that this is the best they can come up with. Every post I've seen by this troll(s) has been deliberately provocative. The first was blatantly so and removed (yay to the Mods! :) ).

I can't help but think that they seek reactions the same way the DCA phone operators seek reactions - if they damage people by what they say, I imagine they sit back with a self-satisfied smile... To them it's a 'result'. It's nauseating and very very shallow, and their lives are poorer for it - the saddest thing is they don't see it like that.

I've also seen references on various sites to DCA's suggesting they 'engage' consumer forums... well if this is the best they can do... !

The best we can do is disassociate from them, ignore them, delete their blatantly ignorant posts if possible and focus instead on real people coming here for help and advice. I saw yesterday that this thread had 11 readers - if they distract us, again, it's 'job done' to them. So let's not let them do it.

One day reality will bite their bums. At which point they'll be back under new names seeking advice. To me the real power of CAG is that it doesn't discriminate, and people here will help them then.

  • Haha 1

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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If the trolls had a constructive arguement then fair enough, people would probably respond and debate the issues raised.

 

That would require one thing though, the ability not to label people without knowing the full circumstances.

  • Haha 1

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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DCAs rely upon not training their staff to be fully aware of the law and regulatory rules, and upon inculcating in them a view that all debtors are bad people. If you look at Cretin Today, or the CSA website, you will see that the executives of these companies like to distance themselves from the reality of what they do, and create an image of high-powered financiers contributing to the economy. In fact, many DCAs are foreign-owned and they are just draining money from this country. They keep a few prospective burger-flippers and tele-ads people off the streets, but that's about the extent of their usefulness to society. They will never admit that they exist as parasites, living off the finance industry and the misery of consumers; they don't even like to refer to themselves as debt-collectors.

 

Like all bullies, they believe they are invincible, and so will never engage realistically on forums like this.

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C1 keep phoning me. I am logging the calls. when they ask why i wont answer the security questions i say it because i cant prove your from capital one. The best they have come up with u have to speak to us because we are C1.

 

My other line i have just started using is. How can i prove ur from C1 there answer cause i said i was??

 

So if i rang them saying i was from Mafia collections limited and they owed me £15,000.00 they would talk to me on the phone would they?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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If only you'd use some of that scorn for the banks who continue to commit unlawful and sometimes illegal acts on a daily basis without batting an eye lid.

 

As youre trying to bait people, and are not being constructive i'm not going to respond to your comments.

 

People its not worth responding to this person unless he is being serious - especially as its highly likely we are conversing with someone who isn't an adult.

 

Been down to the courts to try and get my stay lifted today Enron and got one of the girls at the desk to help me out.

 

After going back and forwards picking doccments up all day i snapped and says look what more evidence do you need?

 

She humed and eeeerd and said this should be ok.

 

 

So i says when will i get a hearing she says a soon as the judge has seen the order he will send one out.

 

Lets see if they keep up to there end of the bargain.

Edited by JOSH_IOU

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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:)thought id share some promissing news

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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blame the weather for the snapping it hasbeen brill sunsine here all day

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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its been great here all day to godmother.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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got loads of washing dry

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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sorry happy thoughts tiglet

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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C1 keep phoning me. I am logging the calls. when they ask why i wont answer the security questions i say it because i cant prove your from capital one. The best they have come up with u have to speak to us because we are C1.

 

My other line i have just started using is. How can i prove ur from C1 there answer cause i said i was??

 

So if i rang them saying i was from Mafia collections limited and they owed me £15,000.00 they would talk to me on the phone would they?

 

Actually that makes a lot of sense GM - in pre-CAG days I would have believed them - not anymore though :)

 

Mafia Collections :lol:

 

Nobody messes with "da Godmother" :eek:

 

Been down to the courts to try and get my stay lifted today Enron and got one of the girls at the desk to help me out.

 

After going back and forwards picking doccments up all day i snapped and says look what more evidence do you need?

 

She humed and eeeerd and said this should be ok.

 

 

So i says when will i get a hearing she says a soon as the judge has seen the order he will send one out.

 

Lets see if they keep up to there end of the bargain.

 

Nice one Josh :)

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