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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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becky v cabot old monument card !


becky75
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When was the last payment made by you, to this account.

 

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I thought pretty much all of the Monument stuff went over to Barclaycard at least 5 years ago!

 

My money is on Lowell being behind this!

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Agree Sidewinder! :(

 

Is it just me or do Lowell Group only seem to be the ones doing a Mass-Bankruptcy Scheme?

 

Bet you its Lowell, Passed onto Hamptons Legal.

But then again i also think it could be Bryan Carter or BW Legal... Hmmm, Want to place a tenner on this?

 

Becky aside of it all who is the letter from? Could you tell us a bit more info on the debt. Lowell may attempt Bankruptcy based on it being more than £750 set in law.

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Lowell use bankruptcy as a form of debt collection. Why the regulators dont do something about it is beyond me.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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two threads merged for history

 

seems like the OP was spoofed into a fee paying DMP 6yrs+ ago

 

bet monument/cabot never ever got any money anyhow.

 

i'd bet this is statute barred.

 

get acopy of your CRA file becky.

 

dx

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HI

 

 

I have been on to my credit report and Lowell has been all over it !!!

 

 

I cant even see where I woe monument everything says cabot now

 

 

I have not paid monument any money since I began to use debt management (but gave up on them0

 

 

The solicitors Lowell have used are called WRight Hassall

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Lol... How did I guess lowell in the first place. First time I've heard Lovell use someone called Wright Haswell (To me this sounds like a pun)

 

What does its say on your credit profile

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The solicitors Lowell have used are called WRight Hassall

 

Right Hassle or Right Assole..

 

Should have had that tenner on Lowell!

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yeah my thoughts too ! sound like a***holes to me !

 

 

I don't know if im reading my credit file properly as I cant see monument on it just Lowell,lowell,Lowell ! - think they like to chase me !!! actually have no idea who I owe now as their names all over my file!

 

 

should I write them a 'nice' letter ? what sort should it be?

 

 

 

 

thanks

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looks like they've purchased all your debts then.

 

dx

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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Sorry if I'm not being v clever ! I put a post up last week about abounding bankruptcy I think on 17th !

 

I was looking to see if I should still cca or what to weird next but I can't find my post ? Perhaps it me ?? ( panic now set in )

 

Thanks

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Hi becky75,

 

Click on your username to find your posts and any threads you have started.

 

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Scott.

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Hi becky75

 

If you have a look at this link: http://www.consumeractiongroup.co.uk/forum/showthread.php?106837-becky-v-cabot-!/page2 your post from the 17th Jan is at post #25.

 

Your post was merged with a previous thread on the same matter to keep the history in one place so you get the best advice.

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No time limit for a CCA request or a SAR - if you are going to call anyone it should be the original creditor, not the DCA. A SAR (which has a £10 fee) should produce all information that they have on you, including statements, which would show the last payments to the account.

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although you cra file says lowells for most of your debts

 

of the Lowell ones

can you identify which 'was' the monument card

 

in the debt summary listing

it should tll you the last payment date

[noddle will for sure]

 

get that CCA request off!

 

dx

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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thanks - think having a moment last nite !

 

 

I will get cca off

- in mean time will that put the whole bankruptcy 'thing' on hold whilst I do it ?

 

scared i'll buckle under time pressure and just offer to pay off if they carry on chasing !-

 

but cca will give me time wont it?

 

 

thanks soory know ask load questions 1 I appreciate all your help x

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its a threat-o-gram ignore them!!

 

dx

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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  • 2 years later...

Hi Becky _ I'm in a similar situation but am confident I'll get this sorted thanks to this site and mostly DX. It's interesting reading all the other cases and how successful they have been, I just wondered how you got on and what happened?

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