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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Handing a car back to finance company has left me with default threats, & harrassment


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Hope someone can help advise me here.

4 months ago, I wrote to finance co. to terminate HP contract & return car. I had paid 65% but car was worth less than I owed even at early settlement. Having spent £2000 on repairs, I felt it was my only option at purchasing a new car. I never defaulted any payments. Finance co took 4 weeks to collect car from a local garage. They then started ringing me & asking for payment for damage to car. I pointed out that it was in very good condition, to which local garage agreed and I added that ariel was already broken when purchased and battery was flat as car had stood for 4 weeks.

I had nothing in writing and hadn't heard anything for 4 months when I received a call to say that I owed £2200! After arguing the case I was promised an update. Receievd nothing for a few days, then a call asking for £365.00. I said that I disputed these charges and now felt harrassed by company. Caller said as measure of good will, they would drop payment to £200. I stood my ground to then receive threats that company would default me and give me a bad credit report.

Wondered if anyone has experienced similar. Feel like just giving in, but don't believe that I should owe them money. Can they default me without my knowledge?

Best regards y'all.

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if you have paid 50% of the agreement you are entitled to return the vehicle so long as you have put the request in writing. this is called voluntary termination and it is part of the consumer credit act. the firms do try and fob people off citing damage and the like and usually we advise our clients to take photographs just in case. if they have defaulted you without notice that is VERY naughty. it might be worth speaking to the credit reference agency in question and see what can be done.

 

in the meantime here is more info on hire puchase >>

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=16_how_to_deal_with_hire_purchase_debt

 

edit: i just need to double check, you never defaulted on payments prior to returning it?!?!

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Thanks for advice. No, I never missed a payment and paid 65% before vt. Did put it in writing, but didn't take any pics. The few things they reckon add up to £365 are there, but as I said, the car was 7 year old, you would expect to find a few scuffs on the bumper. I just feel they are trying to bully me into making some sort of payment. Feels like the girl in question is working on commission!:)

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Hi Jooly, I was in a similar position about 10 years ago, and a company did the same to me, tried to get me to pay for damage that was already there etc. I stood my ground and eventually went through arbitration. The judge was completely on my side, and knew the tactics of credit companies like these, and I came out of there feeling so euphoric. I didn't have to pay anything at all to them, plus the judge made their rep look and feel like a fool. That was the most satisfying thing ever;-)

Hope it all goes well for you and if push comes to shove remember the law is on your side:)

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  • 3 weeks later...

Hi - I work as a finance manager in a big car supermarket & look at finance docs all day. The wording in the termination clause says "You have a right to end this agreement. To do so you should write to the person you make your payments to. They will then be entitled to the return of the goods and half the total amount payable under this agreement, that is £XXXX. If you have already paid this amount plus any overdue instalments and have taken REASONABLE care of the goods you will not have to pay any more." It seems to me that "reasonable" is quite a subjective term. Anybody could reasonably expect a 4/5 year old car to have a few dents & scratches. Heres something important to look out for - at the time of taking out the agreement most people also buy one or more insurance products (PPI,Gap etc). There is normally a separate CREDIT agreement for these (NOT HP). Sometimes this is not made clear when signing and the signatures are normally on the same page - these amounts would still be owed to the finance company even if the car is handed back so if you have taken out a £2000 PPI policy chances are you will still owe £1000. PPI is the most profitable part of a finance deal for both the finance company and the dealership and the cover offered is available for about a fifth of the price charged through standalone products - try googling PPI or CPI. If anyone has any other queries about car finance PM me.

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  • 3 years later...

Hi,

I wonder if someone could help me with my problem. I phoned the finance company today to ask their procedure for returning my car. They told me that Arnold Clark had taken out a personal loan on the car for me. The finance company said therefore I could not VT the car. When I was buying the car Arnold Clark told me it was a car loan that I had. What should I do now. I still have £5500.00 to pay on the car which I have been paying for 3 years and it is only valued at £2100.00. :sad:

 

Any help would be great-full.

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Hi 51187,

 

It best to start your own tread to get help for yourself.

 

If you click on General Knowledge - The Consumer Forums to take you back to the main forum and then click on

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and copy your post from here an paste it in the new thread

 

Ida x

 

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  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
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