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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Monument Cca


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Hi Everyone,

 

I requested a copy of my CCA on 4th December and received this reply from them. Would appreciate any opinions from others who have dealt with this company. It is currently up to date but they wrote to me a while ago closing the account, without any valid reason.

 

I wasn't bothered about it being closed but want to try a F & F in order to get it out of the way if possible.

MONUMENT REPLY - 16TH DEC.pdf

REPLY CARD.pdf

T & C'S - ORIGINAL.pdf

T & C'S CURRENT.pdf

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i would say no

thats an application card not a cca.

 

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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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 DX and Blueda,

 

I knew there was a connection to BC, but this was originally with Providian.

 

Am I safe with the 'offsetting rule' as BC were never the original creditor?

 

I remember asking many times over the phone for details of the payment break plan but nothing ever materialised. So maybe SAR next to see how much I have paid on this and look to reclaim.

 

Unless any other suggestions.

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  • 2 weeks later...

Thank you Blueda,

 

Back on my cases now!

 

Will do SAR this week and possibly put account in dispute and stop payments from this month. Never been missed before but so fed up with the extortionate charges and would try to negotiate F & F ultimately.

 

Anyone else had any success with F & F for Monument?

 

Keeping my Credit file good, was so important to me a few months ago but I really don't see that it matters too much nowadays as from my experience getting further credit would be difficult in the current climate anyway.

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Hi Blueda,

 

I am subbing to a lot of F & F threads on here, I have tried with Halifax but no joy so far, although they have greatly reduced the interest rate (written confirmation still awaited).

 

Tried with one of my MBNA cards after being given a contact by a successful Cagger, but it didn't work for me, although it appears that quite a few have been successful with them. Anyway have now decided that until they produce a valid CCA, I will not be speaking to them again!

 

Do you mind me asking who you had results with?

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Hi Blueda,

 

I am subbing to a lot of F & F threads on here, I have tried with Halifax but no joy so far, although they have greatly reduced the interest rate (written confirmation still awaited).

 

Tried with one of my MBNA cards after being given a contact by a successful Cagger, but it didn't work for me, although it appears that quite a few have been successful with them. Anyway have now decided that until they produce a valid CCA, I will not be speaking to them again!

 

Do you mind me asking who you had results with?

Aktiv Kapital £1,153 settled for £440.00 Westcot £1,123 settled for £730.00 Barclaycard £2,079 settled for £831.00. An example of a settlment letter " Dear mr Blueda

We have received your payment in full and final settlement and the account is now considered settled. No action will be taken about any remaining balance.

The credit reference agencies will be notified accordingly ".

Dotty, make sure you destroy the credit cards before taking action.

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Thanks for that info Blueda,

 

Aktiv & Wescot, are they DCA's? I have seen these names on other threads, who were the original creditors?

 

Hope you don't mind all the questions!

Aktiv and Westcot are DCAs who purchased the accounts Aktiv ( Time retail ) Westcot ( stylecard ).

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Thanks again, Blueda.

 

I see conflicting experience on here, some people seem to get better offers of F & F from the original creditors, then others state it is easier once the debt has been sold, I guess it just depends on the CCC or DCA.

 

I have now done SAR to send tomorrow, also preparing dispute letter, just need a little guidance on the wording regarding the fact that they have sent me what they believe is the CCA.

 

The other CCC's which I have put into dispute, I had not received anything at all so that was simpler to sort.

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Easier said than done!

 

I have been going round in circles trying to decide what to send. All the letters I have saved whilst reading threads on here do not really seem applicable for one reason or another.

 

Monument did reply (just) in the statutory time but not with anything I believe to be enforcible, although they differ in opinion.

 

The ones I have put into dispute so far have either not supplied anything or sent unreadable copies so that doesn't apply here.

 

I have looked in the library but still unsure.

 

Any further guidance would be appreciated.

 

Or do I send one of these?

A possible letter sent when an agreement received is questionable.doc

FAILURE TO PRODUCE REQUIRED DOCS.doc

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2nd att

though it don't matter as they will disregard it anyway

 

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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Hi DX and thank you.

 

Yes I expect to be ignored, I just want to ensure that I get it as right as possible, have done a few letters this week for other cards and it was all starting to get a bit blurry!

 

And without any alcohol! At the time anyway. ;)

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Hi All,

 

Sent this today, a bit of a variation but gets to the point and as you say, DX, likely to be ignored anyway!

 

Thanks for everyone's comments and assistance.

That is a very good letter Dotty,they can ignore it if they choose but will get the message when the payments are stopped.

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Well it's only due to the letters I have read on here, I save any that I think may be of use at some point and adapt accordingly, must admit I was getting in a bit of a tiz last night trying to decide how to word it, but got there in the end.

 

Have had a response to a SAR on one of my other cards today, Capital one so will have my work cut out this weekend to decide where to go next with it.

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SAR reply today, how quick is that?

 

Will scan letter asap but only sent more T & C's (slightly different to he ones sent in reply to my CCA request, 3 General workscreen printouts, 10 pages of transactions, from 2003 to 2009 (Account opened in 2001) and 19 pages of.............. not really sure just a sort of tracking sheet from Feb 03 to Dec 2009. No details of application, not even the 'reply card' that they had supplied in my CCA request. Nothing relating to the Payment Break Plan that they are charging.

 

Perhaps they rushed it!

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Hi, anyone still subbing?

 

This is the letter that they sent, I think I have read that they only need to go back so far, so how do you work out claim for PPI (or Payment Break Plan, as they call it!)? It assume it was paid from the start but it stopped in May 07! The sheets they sent with the SAR shows calls they made to me when I was a bit late with some payments but no call referring to cancellation of the PPI, very strange!

 

Does anyone have any ideas, how to proceed? I have already put the account in dispute.

REPLY TO SAR - with deletions.pdf

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