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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
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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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First Direct & Final Demand


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We sent the usual letter to First Direct requesting a copy of our agreement, a copy of the default notice & any deed of assignment & have had a copy of a "Final Demand" sent although nothing else.

 

Just wanted some advice because the Final Demand doesn't say Default on it & want to know if it is "legal"

 

It says the following & is dated 13/01/05

 

"Dear Sir

 

FINAL DEMAND

 

Despite our previous correspondence concerning your debt, we have to date received no satisfactory response.

We now DEMAND immediate repayment in the sum of £*****. This amount is made up as follows:-

Account number Balance Credit/Debit

1234567899 £****** Dr

 

The outstanding balance of £***** will have further interest added on the same basis as presently applies until the date of repayment.

 

YOU HAVE SEVEN DAYS TO REPAY IN FULL or let us have satisfactory proposals for repayment by instalments or otherwise. If immediate repayment in full cannot be made, the enclosed Financial Statement must be completed & returned.

 

If you fail to comply with this demand DEBT COLLECTORS or SOLICITORS will be instructed.

Details of your default including your name and address will be given to the CREDIT REFERENCE AGENCIES named below if we have still not received a satisfactory response from you within 28 days. Credit Reference Agencies supply information to lenders in order to establish an individuals credit history quickly & simply.Lenders then use this information to help decide whether or not to accept applications for credit from their customers. If details of your default are given to Credit Reference Agencies this may make it more difficult to obtain credit elsewhere in the future"

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Well yes. Part of the stipulation of the CCA is that the payment must be made.

And without the £1, the Company does not have to respond to your request.

So to stop everything in its tracks, you will need to send another CCA request

including the £1. If they had the original agreement, they would have sent it.

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  • 2 weeks later...

What they've sent you doesn't comply with Part VII of the CCA 1974, so any Default/Termination is unlawful.

 

Follow the advice given, as you can't query this without requesting a copy of the agreement. Templates are available in the library if you need them.

 

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  • 1 month later...

I sent a letter to First Direct on 26th Nov enclosing a postal order requesting:-

  1. You must supply true copy of agreement etc
  2. You must supply a true & certified copy of the orig default notice not a Final Demand as prev sent.
  3. Any deed of assisnment if the debt was sold on.

Now received a reply -

"Please find enclosed your postal order along with copies of account opening forms for your accounts (single loan account & joint bank account). There is no legal requirement for us to hold copies of Default Notices so I have been unable to enclose a copy per your request.

 

The 1st Account you held (joint bank account) was not a consumer Credit Act regulated product,therefore no Default Notice is required.

 

As we received no satisfactory response to the Final Demand your accounts were passed to Metropolitan Collection Services and an entry was made on your credit file. The final Demand is our notice to register adviser information on your credit file and satisfies our legal obligations beforepassong accounts to a Debt Collection Agency.

 

Once your account is paid in full this is reflected on your credit file, which is updated.

 

No Deed of assignment is required as Metropolitan Collection Services are part of HSBC group.

 

I trust this clarifies the position.....blah,blah!!"

 

Please advise what action I now need to take - I am feeling a little lost amongst all the paperwork:confused:

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Well, "account opening forms" sounds like an application form to me!

 

Can you scan/post up what they've sent you? (Removing personal information of course)

 

They are wrong about the bank account - read here;

 

http://www.consumeractiongroup.co.uk/forum/general-debt/31515-ccas-overdrafts.html?highlight=overdrafts

 

then this post;

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/125120-wescot-credit-services-advice.html#post1307682

 

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If you open a photobucket account and upload it to there you can the insert the links or images into posts. Have a read here for further instructions (towards the end of the guide) http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Here's a little more on Coutts & Co v Gabriel Oscar Alan Sebestyen 2005 which outlines the legal position on the Act and overdrafts http://www.shlegal.com/Asp/uploadedF...it_12_05. pdf page 5

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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The account forms are application forms and bear no relation to the overdraft agreement. Without any documentation as outlined in the OFT Determination, they can't rely on that to say they don't need to comply with the CCA - the application forms don't contain the prescribed terms, (credit limit, repayments and interest rates) so the overdraft will be unenforceable as a result under s.127(3) CCA 1974. (When will these Banks learn how to comply?)

 

The loan agreements look ok as it has the prescribed terms. (above) The APR isn't right, but works out at 6.67%, which is within the tolerance allowed under the regulations;

 

Permissible tolerances in disclosure of the APR

1A. For the purposes of these Regulations, it shall be sufficient compliance with the requirement to show the APR if there is included in the document -

 

(1) a rate which exceed the APR by not more than one; or

 

(2) a rate which falls short of the APR by not more than 0.1; or

 

(3) in a case to which either of paragraphs 2 or 3 below applies, a rate determined in accordance with the paragraph or such of them as apply to that case.".

 

What is the date of your signature? If it's after the date printed on the agreement, that could make this a prospective agreement, so is void under s.59; (the fact the signature is printed and predated adds weight to this argument)

 

59.—(1) An agreement is void if, and to the extent that, it purports to bind a person to

enter as debtor or hirer into a prospective regulated agreement

 

IMHO, this agreement is properly executed. If you want to challenge it, you will have to do so based on the fact they can't provide any evidence of the original Default Notice, so can't prove that they have Defaulted the account correctly.

 

Also, do you know if they have applied charges to the Loan account? This would invalidate any Default Notice, unless they can prove their charges are lawful, (which they can't) as the Default amount includes those charges;

 

Failure of a Default Notice or a Termination Notice to be accurate not only invalidates such Notice, (Woodchester Lease Management Services Ltd v Swain & Co NLD 14 July 1998) but is an unlawful rescission of contract which would not only prevent the Court enforcing any alleged debt, (Wilson v First County Trust, Wilson v Robertsons (London) Ltd [2006] EWCA Civ 1088, Wilson v Pawnbrokers [2005] EWCA Civ 147) but would also give the Claimant a claim for damages in the sum of £1,000. (Kpohraror v Woolwich Building Society [1996] 4 All ER 119)
  • Haha 1

 

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Thanks for your speedy & indepth response.

 

The loan agreement WAS dated the day after their date so I reckon this may make it void under S59.

 

Will have a look at whether any charges have been added to the loan account.

 

Are there any templates I can use for my reply for either the bank a/c or loan?

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There won't be any templates for this, as each case has it's own specific merits and won't fit a template as such.

 

I'd avoid discussing the enforceability of the loan agreement, as you don't want to point out the obvious - plus this could help them if they decide to enforce against you later.

 

Stick to the Default Notice issue, IMHO, so start by writing back telling them they do have an obligation to prove they have Defaulted you within the prescribed process of the Act - if they haven't, suggest that they remove the Default from your credit file, as unsubstantiated.

 

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