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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • 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  
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Lowells debt collection?


Marcus123
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Hi this is my first post so please bear with me.

 

I had a bank account many years ago when i was young and unfortunatly ran up a rather large debt (£1800). Things escaleted and the bank issued proceedings and judgement was entered. I agreed to pay a small amount per month and that was accepted.

 

Payment went on for a couple of years but then things lapsed, i moved address and nothing more was heard. This was early 90's if not late 80's and i havent heard a thing since.

 

Now i have received a letter from a company called Lowells who say they have bought the debt and i owe them £1800.

 

The tone of the letter is aggresssive and not polite. im not sure if this actually is the same debt because the letter gives few details. If it is the same can they persue me for it? As i received a CCJ can they enforce this or will they have to re-issue proceedings in their name?

 

Any help would be appreciated.

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Firstly if you have not either acknowledged nor made a payment in the last 6 years then this debt is statute barred - although you are still in debt - this cannot be legally enforced (it is of course up to you if you want to settle the debt). Firstly DO NOT CALL THEM. I think if you send them this letter....remember DO NOT hand sign it....

 

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

 

 

1 High Street,

Newtown,

Kent

R21 4RH

 

 

June 28, 2006

 

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

 

Dear Sir/Madam

 

Acc/Ref No 4563210025897412

 

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

 

We would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

 

We would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.

 

The last payment of this alleged debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from us in the relevant period under Section 5 of the Limitation Act, we suggest that you are no longer able to take any court action against us to recover the alleged amount claimed.

 

The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”.

 

We await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter.

 

We look forward to your reply.

 

Yours faithfully

Mr A N Other

__________________

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Thanks for a prompt response. Unfortunatly i did call them earlier and said i had no record of the debt or ever having had an account an therefore any further correspondence would be sent to my legal advisors. Was this a mistake?

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Not really....at least you didn't acknowledge the debt....also write on the letter. PLEASE NOTE I WILL NOT ACCEPT ANY TELEPHONE CALLS ON THIS MATTER, ALL CORRESPONDENCE SHOULD BE MADE IN WRITING, ANY TELEPHONE CALLS WILL BE CLASSED AS HARRASMENT AND TREATED AS SUCH

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Many thanks again.

 

As i have basically told them to 'get lost' on the phone this morning should i wait until i hear from them again before sending the letter?

 

Also can anyone confirm my position regarding the judgement that was entered, is this also 'statute barred' as nothing has been exchanged in well over 10 years?

 

And if it is not will the judgement still apply even though the debt has been sold to another party?

 

Many thanks in advance.

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From what you say this debt is definately statute barred....and send the letter asap....you mention 'judgement' have you been to court already over this debt ?

 

The bank issued a summons and judgement was entered. I didnt go to court but i wrote to the court and offered an amount each month that was accepted. However, the payments lapsed, i moved a couple of times and no further correspondence was received. (I assume as it was such a low monthly figure they chose not to pursue it).

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Ahhh this may make a difference....am I right in saying that a CCJ is endless ? maybe another Cagger can assist here as i'm not sure about court agreements.....Although if it is a CCJ debt ? I wasn't aware that DCA's went after them.....?

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The CCJ was from the bank, however as they have sold the debt what happens now? Does the CCJ automatically get transferred with the debt?

 

I take it from your tone that maybe i should hold fire on sending the letter back now?

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To be honest i havent heard anything about the old debt in at least 12 years so actual figures would be a wild guess. Im not sure if this even is my debt as I have never held an account with this organisation quoted in their letter.However, the organisation did take over the bank i origionally had the debt with (if that makes sense).

 

They are asking me to send signatures and date of birth etc but surely it is their duty to prove that I owe them?

 

Confused......

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Hi Marcus....do NOT send them any signatures at any cost. As before I would advise to send them the stat barred letter and see what they say.....

 

Hi mate,

 

As i said in other posts im not sure if it is even my debt, if i send that letter would i be giving away too much info i.e. acknowledging the fact that there WAS a debt that i am aware of but its more than 6 years ago?

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Sorry mate you have completely lost me now.

 

Why would i want to send them a cheque or a postal order?

 

What is a CCA request?

 

And is there not a different standard letter that maybe asks them to prove that the debt is mine rather than me suggesting that there may be an outstanding debt from more than 6 years ago?

 

Anyone?

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The original letter from Lowells dated 6/9 has been followed up now by a letter from 'Red debt recovery' (same address) dated 10th sept (yes 4 days later)

 

On monday i phoned Lowells and said i had never had a debt with the 'original creditor' which is true.

 

Today i received a letter suggesting red had been instructed by Lowells and if i didnt contact them within 5 days they would take further action which could include 'sending a debt collector to my door to discuss settlement'.

 

Im actually finding this rather amusing but i can see how some people could become very intimidated by this.

 

Views?

 

(also wouldnt mind knowing how to get these idiots off my back as they are starting to irritate me).

 

Can i do them for harrasment?

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It is a copy of your Consumer Credit Agreement to which no debt covered by the Consumer Credit Act is legally enforcable unless they have a copy of it....you would be surprised by the amount of companies that do not keep them......read through some of the other threads on here....it is very enlightening...!!

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