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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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c credit card insurance and loan ppi lloyds bank


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hi

i took out a loan with lloyds in 2003 the loan was for 15000pounds they brought it all up to 23500pounds..with interest and ppi..i asnt asked about the ppi...and i was and am retired

i have been told that it was wrong to sell me this insurance because it was void since i was retiresd..is this right

the same goes for the insurance on my credit card

alsoi have gone over the limti with my credit card and try as i might i cant get it below thie limit level..

i am paying two lots of interest on the credit card +late payment charges and insurance which total over a hundred pounds..its driving me nute

i am also trying to get charges paid back to me ..i live abroad but have my pension paid to lloys where i have been a customer in the same branch for 40 years.

i wrote to them in January and had no reply..i tried phoning but could not get through..i left contact numbers etc

finally i tried to complain through the emails at internet bankinbg and they have been like a ping pong game.

i wrote to head office in andover with ho reply too..yet every letter i have sent to frineds anf family have got to various countries without a hitch!!

i

would welcome any comments good or bad..and any sort of adviceas to what my right are

i have applied to the ombusnman to look at the charges ..but just realizzed about the ppi insurance etc today

thanks..great site

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thats great..its given me a lift to read it.

i was retired when i took out this loan....so in fact it didn't cover me at all.

 

i have been reading that is you are unemployed or self employed or retired the insurance wouldn't cover anyway..but im not hundred per cent sure..they are so slippery.

i have been trying to get bank charges back this year and have now taken my complaint to the ombudsman

at the time i wish id known about the ppi i could have added it to the list of complaints.

 

thank you so much for your reply ..i was feeling a bit left out :)

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thats great..its given me a lift to read it.

i was retired when i took out this loan....so in fact it didn't cover me at all.

 

i have been reading that is you are unemployed or self employed or retired the insurance wouldn't cover anyway..but im not hundred per cent sure..they are so slippery.

i have been trying to get bank charges back this year and have now taken my complaint to the ombudsman

at the time i wish id known about the ppi i could have added it to the list of complaints.

 

thank you so much for your reply ..i was feeling a bit left out :)

 

Hello Alm,

 

You have an extremely good case for the mis-selling of ppi, as you could never have used it.

 

The FOS might not be interested in the ppi bit as the loan was taken out in 2003.

 

Personally I would just write directly to Lloydds, stating your reasons of mis-selling and ask for it back.plus interest at their contractual rate

 

If you need help with letters etc, just ask.

 

They will pay it back

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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thanks

i feel a bit despondent after reading the loan protection on their web site..as it talks about hospitalization compensation if you are retired..if hospitalized..???

 

however i do know that i thought i must take this insurance the girl who arranged the loan never asked me just ticked the box..she filled out the form posted it to me...i signed it and sent it back..

the other thing is that i live abroad and was living most of the time abroad then..which lloyds knew about..i never hid that from them..so even if i was ill and in hospital here they wouldn't have paid me here outside the uk.

what do you think.??

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